As used in this Act:
     “Digital signature” means an encrypted electronic identifier, created by computer, intended by the party using it to have the same force and effect as the use of a manual signature.

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     “Financial institution” means a bank, a savings and loan association, a savings bank, or a credit union or any subsidiary or affiliate of a bank, savings and loan association, savings bank, or credit union.
     “Substitute check” means a paper reproduction of an original check, as defined in the Check Clearing for the 21st Century Act (12 U.S.C. § 5001, et seq.), as amended from time to time, and the rules promulgated thereunder.