1. A computer-implemented method of processing which is other than displaying check image data in an image-based check processing system, the computer-implemented method comprising the steps of: (a) at a first time, electronically by an imaging camera capturing check image data which is representative of a captured bitmap image of the check; (b) electronically by a processor receiving a message which contains a number of endorsement characters; (c) at a second time which is different from the first time, electronically by a processor processing the endorsement characters contained in the message to provide endorsement data which is representative of a generated bitmap image of the endorsement characters, the generated bitmap image of the endorsement characters being other than a captured bitmap image of the endorsement characters; (d) at a third time which is after the first and second times, electronically by a processor appending the generated bitmap image of the endorsement characters to the captured bitmap image of the check to provide a non-captured composite bitmap image of the check and the endorsement characters, the non-captured composite bitmap image of the check and the endorsement characters being other than a captured composite bitmap image of the check and the endorsement characters; and (e) storing in a memory the non-captured composite bitmap image of the check and the endorsement characters so that the non-captured composite bitmap image can be later retrieved for subsequent displaying of the non-captured composite bitmap image of the check and the endorsement characters.