Forms
Check Services Forms
Use the links below to access the forms and agreements you will need to set up or use Federal Reserve Financial Services. Service and Access Setup provides more details and guidance on the steps required to begin using a new service or to modify current services or access. If you are unable to locate the form you seek or need assistance in completing the agreements and/or forms below, Contact provides a comprehensive list of service and support contacts that can assist you.
Table of Contents
Check Services Agreements
The agreements below must be completed and signed by an authorized individual listed on the institution’s Official Authorization List (OAL) on file at the Federal Reserve Bank.
If a financial institution has updates to an existing agreement, only applicable portions should be completed and signed. Agreements must be returned to:
Support Center
P.O. Box 219416
Kansas City, MO 64121-9416
ccc.bankservices@kc.frb.org
F: (877) 281-3647
| Form | Links |
|---|---|
| Check Services Agreement Form Completion of this form is required before a financial institution may access or use the check services (“Check Services”) provided by the Federal Reserve Banks under Operating Circular 3, including sending or receiving from a Federal Reserve Bank any items under Operating Circular 3 (“Items”). The Federal Reserve Bank uses this form to obtain information that is needed to successfully complete a financial institution’s enrollment in and setup for Check Services. | Form (PDF) |
| Check Service Provider Agreement This Check Service Provider Agreement is used by a participating bank to authorize another entity to act as its service provider with respect to Federal Reserve Bank Check Services as set forth in the Reserve Banks’ Operating Circular 3. | Form (PDF) |
| Check Presentment and Return Agreement (v 2.2) This agreement sets forth the terms of our PDF Check Presentment and Return Service. | Form (PDF) |
| Check 21 FedPayments Reporter (v 5.1) This agreement sets forth the terms of our FedPayments Reporter Service for Check. | Form (PDF) |
| FedDetect Duplicate Notification for Check Services Request Form This agreement sets forth the terms of our FedDetect Duplicate Notification for Check Services. | Form (PDF) |
Check Adjustments Services Forms
The following electronic forms are available to support processing of all check adjustment requests. For more information on the required forms, visit the Check Adjustments Quick Reference Guide and refer to the instructions and examples of the form, where applicable.
We are accepting electronic signatures on Check Adjustment forms requiring an authorized signature.
| Form | Links |
|---|---|
| Check Adjustments Request | Form (PDF) |
| Claim of Late Return | Form (PDF) Instructions (PDF) Example (PDF) |
| Claim of Damage Due to an Underencoding | Form (PDF) Instructions (PDF) Example (PDF) |
| Expedited Recredit Claim | Form (PDF) |
| Paying Bank’s Response to a Claim of Late Return | Form (PDF) Instructions (PDF) Example (PDF) |
| Warranty/Indemnity Claim (WIC) or Electronically Created Items (ECIs) | Form (PDF) |
| Remote Deposit Capture (RDC) Item Indemnity Claim | Form (PDF) Instructions (PDF) Example (PDF) |
Cash Letter Forms
Standardized cash letter forms are offered for your use when sending cash letters to the Federal Reserve Bank of Atlanta at the address noted on the form. These forms will open in Microsoft® Excel® and can be completed when opened from the website, or saved to your computer for later use.
Savings Bond
Image-Enabled Savings Bond Processing provides financial institutions with the ability to deposit image-eligible savings bonds in mixed and separately sorted FedForward® Image Cash Letters (ICLs) and separately sorted paper cash letters. While image-based savings bond processing is strongly preferred, paper savings bond deposits are also accepted. Refer to the Image-enabled Savings Bond Processing Quick Reference Guide for more information.
| Form | Links |
|---|---|
| Regular Savings Bond The Regular Savings Bond cash letter form should be used for all eligible card style and half sheet bonds. | Form (PDF) Instructions (PDF) |
| Full-Sheet Savings Bond The Full-Sheet Savings Bond cash letter form should be used for older bonds that were issued on full-sheet certificates which, because of their age, are fairly rare. | Form (PDF) Instructions (PDF) |
| Facsimile Savings Bond The Facsimile Savings Bond cash letter form should only be used for properly prepared facsimiles of bonds that were lost or destroyed in transit. | Form (PDF) Instructions (PDF) |
Canadian Item
The Federal Reserve Banks offer a Canadian item clearing service for items denominated in either U.S. dollars or Canadian dollars. Canadian checks must be sorted into the proper cash letter according to whether they are denominated in U.S. or Canadian dollars.
Every effort will be made to correctly process forward items deposited in mismatched cash letters. However, any item sent in the wrong cash letter type will be subject to a Cash Letter Correction fee, in addition to the forward collection fee, or may be sent back to you as a return item with a return item fee charged.
NOTE: On Nov. 25, 2025, FRFS announced the FedGlobal ACH and Foreign and Canadian Check Services will be discontinued by year-end 2026. These services are no longer accepting new signups. Please reach out to your relationship manager or the Support Center for questions about this service decommission.
| Form | Links |
|---|---|
| Canadian Item U.S. Funds Encoded The Canadian Item U.S. Funds Encoded cash letter form should be used for Magnetic Ink Character Recognition (MICR) encoded items, payable in U.S. funds, drawn on a Canadian bank. Refer to the instructions for more information. | Form (PDF) Instructions (PDF) |
| Canadian Item U.S. Funds Unencoded The Canadian Item U.S. Funds Unencoded cash letter form should be used for unencoded items, payable in U.S. funds, drawn on a Canadian Bank. Refer to the instructions for more information. | Form (PDF) Instructions (PDF) |
| Canadian Item Canadian Funds Encoded The Canadian Item Canadian Funds Encoded cash letter form should be used for Magnetic Ink Character Recognition (MICR) encoded items, payable in Canadian funds, drawn on a Canadian Bank. Refer to the instructions for more information. | Form (PDF) Instructions (PDF) |
| Canadian Item Canadian Funds Unencoded The Canadian Item Canadian Funds Unencoded cash letter form should be used for unencoded items, payable in Canadian funds, drawn on a Canadian Bank. Refer to the instructions for more information. | Form (PDF) Instructions (PDF) |
Foreign Item
| Form | Links |
|---|---|
| Foreign Item The Foreign Item cash letter form is used to deposit items drawn on depository institutions outside of the Federal Reserve System, other than Canada. Use the applicable Canadian Item cash letter form for items drawn on Canadian banks. | Form (PDF) Instructions (PDF) |
Forward Item
The Federal Reserve Banks’ Paper Check Clearing Services allow financial institutions to deposit paper forward items. These services are especially beneficial in contingency situations when you or your vendor is unable to send an image cash letter file.
| Form | Links |
|---|---|
| Mixed Regular Encoded The Mixed Regular Encoded cash letter form should be used for Magnetic Ink Character Recognition (MICR) encoded Forward Collection items of various types. For example, Forward items, including commercial checks, Treasury checks, and Postal Money Orders, can be deposited in a single cash letter. Paper Savings Bonds and Canadian items must be deposited in a separate cash letter using the applicable Savings Bond or Canadian Item cash letter form. Also, use the Foreign Item cash letter form to deposit all other foreign items. | Form (PDF) Instructions (PDF) |
| Mixed Regular Unencoded The Mixed Regular Unencoded cash letter form should be used for unencoded Forward Collection items of various types. For example, Forward items, including commercial checks, Treasury checks, and Postal Money Orders, can be deposited in a single cash letter. Paper Savings Bonds and Canadian items must be deposited in a separate cash letter using the applicable Savings Bond or Canadian Item cash letter form. Also, use the Foreign Item cash letter form to deposit all other foreign items. | Form (PDF) Instructions (PDF) |
| Same Day Settlement The Same Day Settlement (SDS) fine sort cash letter form is used to deposit items drawn on institutions that subscribe to FedReceipt® Daily and have elected the Federal Reserve Bank to be a presentment point. | Form (PDF) Instructions (PDF) |
Forward Not Our Item
| Form | Links |
|---|---|
| Forward Not Our Item The Forward Not Our Item cash letter form should be used for items charged in a Forward cash letter (inclearings) which does not bear the receiving institution’s routing number in the Magnetic Ink Character Recognition (MICR) line of the physical item, image or in the associated MICR record for items received electronically. Refer to the instructions for more information. | Form (PDF) Instructions (PDF) |
Government Item
| Form | Links |
|---|---|
| Government Item The Government Item cash letter form should be used for items issued by the U.S. Treasury. | Form (PDF) Instructions (PDF) |
Postal Money Order
| Form | Links |
|---|---|
| Postal Money Order The Postal Money Order cash letter form should be used for U.S. Postal Money Orders. | Form (PDF) Instructions (PDF) |
Return Item
The Federal Reserve Banks’ Paper Check Clearing Services allow financial institutions to deposit paper return items. These services are especially beneficial in contingency situations when you or your vendor is unable to send an image return letter file.
| Form | Links |
|---|---|
| Qualified Mixed Return Item The Qualified Mixed Return Item cash letter form should be used for dishonored check items that have been prepared for automated processing. | Form (PDF) Instructions (PDF) |
| Unqualified Mixed Return Item The Unqualified Mixed Return Item cash letter form should be used for dishonored check items that have not been prepared for automated processing. | Form (PDF) Instructions (PDF) |
| Large Dollar Return Item Notification The Large Dollar Return Item Notification (LDRIN) cash letter form should be used for large dollar ($5,000 or more) dishonored items where the Federal Reserve Banks will notify the Bank of First Deposit (BOFD). | Form (PDF) Instructions (PDF) |
Return Not Our Item
| Form | Links |
|---|---|
| Return Not Our Item The Return Not Our Item cash letter form should be used for items charged in a Return letter (charge back) which does not bear the receiving institution’s routing number in the endorsement area of the physical item, image or in the associated endorsement records for items received electronically. | Form (PDF) Instructions (PDF) |