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Not Our Item (NOI) ($0.01 or greater)

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ITYP Description | Proper Usage

Not Our Item (NOI) - an item was charged in a cash/return letter which does not bear the receiving institution’s routing number in the MICR line (Forward Collection) or endorsement area (Return) of the physical item or image or in the associated endorsement records for items received electronically.

If you discover a NOI, submit a NOI adjustment request to the Federal Reserve Bank.

NOTE: The NOI ITYP does not apply to “mismatched items” - items involving substitute checks (or images in an ANSI X9.37 image cash/return letter) where the routing number on the MICR line (or in the file) does not match the routing number on the imaged item. Refer to the NCH ITYP for this type of error.

Your Action

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

Information about Not Our Item (NOI) preferred method 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 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.

Required Attachments

A legible copy of the front and back of the item.

Optional Method

Send item to the Federal Reserve Bank of Atlanta (Processing) using a NOI cash/return letter. Source information showing where the item was received (charged by the Federal Reserve Bank (FRB)), including FRB Office, Cash Letter Date and FRB Sequence number is required.

The original item or a “sorter ready” photocopy (i.e. indemnified photocopy (Forward Collection) or notice in lieu of return photocopy (Return) in a properly prepared carrier) is required.

Information about Not Our Item (NOI) optional method reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within twenty business days
of the cash/return letter date.
Normal Federal Reserve Bank collection/return process provided required information is received with the NOI cash/return letter.
After twenty business days, but within one calendar year
of the cash/return letter date.
No entry. Send the cash/return letter and item(s) back to the depositor.

Required Fields

Information about Not Our Item (NOI) 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) Not Our Item (NOI) NOI
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the NOI 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 corresponding to how the item was received (FWD/RTN) the appropriate 3-character cash letter product code from the drop-down list corresponding to how the item was received (FWD/RTN)
Attachment (DTF) Attachment Attachment code from 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 listing 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.

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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.

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