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Non-Cash Item (NCH)

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ITYP Description | Proper Usage

Non-Cash Item (NCH) – Request for credit for a non-valid item (zero-value) that was included in the cash/return letter total or an item that does not meet legal equivalence requirements for Check 21.

If you discover a NCH, submit an adjustment request to the Federal Reserve.

NOTE: Examples of NCH include - an empty carrier, a control document, a deposit/withdrawal ticket, or a mutilated item. Check 21-related Non-Cash Items include situations in which the image on the substitute check does not match the MICR line on the substitute check (mismatched items), the substitute check has more than one legal legend (or no legal legend), or the substitute check is an image of image. These examples are not all inclusive.

Your Action

Submit an Electronic Case or Adjustment Request Form (PDF).

Information about Non-Cash Item reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within twenty business days
of the cash/return letter date.
Same day entry - provided requirements are met.*
After twenty business days, but within six calendar months
of the cash/return letter date.
Same day acknowledgement - Provided requirements are met.*

Entry after notification to the offsetting institution.
Complete initial research within twenty business days of receiving request to determine the offsetting institution and send notification of intent to pass entry in twenty business days.
After six calendar months, but within one calendar year
of the cash/return letter date.
Same day acknowledgement - Provided requirements are met.*

No entry.
Provide source information and advise the requesting institution to deal directly with the offsetting institution.

Respond to request within twenty business days.

Optional Attachments

A legible photocopy of the item.

Required Fields

Information about Missing Cash/Return Letter or Missing Bundle reporting field names, forms and FedLine messages.
Field Name Paper Form FedLine CA1000 Message
Sender (SNDR) Your institution's ABA #, name, street address, city, phone #, contact name and respondent’s ABA # (if applicable) Auto-fills with your 9-digit ABA #
Receiver (RCVR) Receiving Federal Reserve Bank's name and/or ABA # Federal Reserve Bank ABA # from drop-down list
Investigation Type (ITYP) Non-Cash Item (NCH) NCH
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the NCH item
Request for Entry (ETYP) Credit CR
Sender's Reference # (SREF) Your institution's case # (max of 14 characters)
Contact Information
(CNTC & TELE)
(FedLine only)
N/A Contact name and phone number
FCL & TCL The Federal Reserve sent the cash/ return letter to your institution
FCL - Federal Reserve's ABA #
TCL - Your institution's ABA #
Product Class (PROD) the appropriate cash letter product code 3-character cash letter product code from the drop-down list
Cash Letter or Entry Date (CLED) Date of the cash/ return letter
C/L Total (CLT) Cash/return letter total in which the requested item is contained
Tape Total (TT) Tape/bundle total in which the requested item is contained
Sequence # (SEQ) The Federal Reserve's ISN#
Item Before (IBEF) Dollar amount of the item listed on the cash/return letter detail listings before the requested item. If the requested item is the first item, then enter .01.
Item After (IAFT) Dollar amount of the item listed on the cash/return letter detail listing after the requested item. If the requested item is the last item, then enter .01.

*Same Day Entry/Acknowledgement Requirements

All electronic adjustment requests received by 5:00 p.m. ET with complete information will receive same day entry/acknowledgement. Supporting documentation, commonly referred to as Documents to Follow (DTFs) must be received within five business days of receipt of the electronic request. If the DTF is required and not received within five business days, the request will be resolved back to the requester and any provisional entry will be reversed.

All paper adjustment requests received at the Check Adjustments Centralized Data Entry Site by 11:00 a.m. ET with complete information and documentation.

Select an Error Type

Retired Investigation Types

As previously announced, the following investigation types are outdated and have minimal usage. As of May 22, 2017 they have been eliminated.

Select an Error Type

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