Paid Item (PAID)
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ITYP Description | Proper Usage
Paid Item (PAID) – Used to request a credit entry for an item that is being refused either because it is the original check (or the legal equivalent, i.e. a substitute check, electronically created item or image received in an X9.100-187 (X9.37) cash/return letter) or a photocopy and the other item has already paid.
If you discover a PAID you can submit an adjustment request, for either item (first or second presentment/return) to the Federal Reserve. The Federal Reserve must be the source for the item reported as PAID.
Certification: When sending a Paid Item (PAID) adjustment request, you are certifying that you have received duplicates of the same items consisting of either i) an original check and a substitute check/image; ii) a photocopy and a substitute check/image of the same item; iii) duplicate substitute checks/images or iv) duplicate electronically created items from a Reserve Bank. You received one or more of these items from a Reserve Bank and request a “PAID” adjustment to your Federal Reserve account. By requesting this adjustment, you certify that you have promptly re-credited any customer charged with the duplicate(s), that you have not otherwise obtained credit for the duplicate(s) and that the duplicate substitute check(s)/image(s) has been destroyed or otherwise handled to ensure that it will not be charged again to a customer or re-introduced into processing. You indemnify the Reserve Bank for any liability, losses, and costs that arise because you have not complied with requirements stated above.
Note: The request will be handled based on the item reported as PAID (information provided in the Item ID or Research Information field) in accordance with the reporting time frame in which the request is received. You may not request an adjustment for a duplicate item returned in a return letter or for which credit was otherwise received.
Paid Item (PAID) Tutorials
- Check Adjustments Case Submission Requirements — PAID Scenarios (PDF)
- Understanding an Open With Entry Message (CA1100) for a PAID Adjustment — PAID Scenarios (PDF)
Your Action
Submit an Electronic Case or Adjustment Request Form (PDF).
| Reporting Time Frame | Federal Reserve Bank Action |
|---|---|
| Within six calendar months
of the cash/return letter date. |
Same day entry - Provided requirements are met.* |
| 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 information on the presentment/return item(s) and advise the requesting institution to deal directly with the offsetting institution. Respond to request within 20 business days. |
Attachments
Attachments for a single paid item are not required. If you are reporting multiple items, six or more items from the same bundle, a listing of the items involved is required. The listing must contain: the amount, routing number, account number, check number, and item sequence number for each item.
Required Fields
| Field Name | Paper Form | FedLine CA1000 Message |
|---|---|---|
| Sender ABA (SNDR) and Contact Information | Your institution's ABA number, Name, Street Address, City, State, Contact Telephone Number (TELE), Contact Name (CNTC) and Respondent's ABA number (if applicable) | Auto-fills with your institution's 9-digit ABA number. Contact Name (CNTC) and Contact Telephone Number (TELE). |
| Receiver ABA (RCVR) | Receiving Federal Reserve Bank's name and/or ABA number | Auto-fills with the Federal Reserve Bank’s ABA number 061000146 |
| Case Investigation Type (ITYP) | Paid Item (PAID) | Paid Item (PAID) |
| Message Type (MTYP) | Open (OPEN) | Open (CA1000) |
| Case Amount (AMT) | Amount of the item charged | Amount of the item charged |
| Entry Type (ETYP) | Credit (CR) | Credit |
| Sender Reference Number (SREF) | Your institution's case number (max of 14 characters) | |
| From Cash Letter ABA (FCL) & To Cash Letter ABA (TCL) | The Federal Reserve sent the cash/return letter to your institution FCL - Federal Reserve Bank's ABA number TCL - Your institution's ABA number |
|
| Product Type (PROD) | The appropriate cash letter product type | The appropriate cash letter product type from the drop-down list |
| Other Item Cash Letter Date (CLD1) | Date of the cash/return letter for the other item charged | |
| Other Item From Cash Letter ABA (FCL1) & Other Item To Cash Letter ABA (TCL1) | FCL1 – ABA number related to how you received the other item TCL1 – Your institution’s ABA number |
|
| Other Item Sequence Number (SEQ1) | The sequence number for the other item charged | |
| Cash Letter or Entry Date (CLED) | Date of the cash/return letter for the item charged and being reported as paid | |
| Cash Letter Total (CLT) | Cash/return letter total for the item charged and being reported as paid | |
| Tape Total (TT) | Tape/bundle total for the item charged and being reported as paid | |
| Sequence Number (SEQ) | The Federal Reserve Bank’s item sequence number (ISN) for the item charged and being reported as paid | |
| Item Before Amount (IBEF) | Dollar amount of the item listed on the cash/return letter detail listing before the item charged and being reported as paid. If the item charged is the first item, then enter .00. | |
| Item After Amount (IAFT) | Dollar amount of the item listed on the cash/return letter detail listing after the item charged and being reported as paid. If the item charged is the last item, then enter .00. | |
*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 (attachments) must be provided at the same time the electronic adjustment message is submitted.
All paper adjustment requests received at the Check Adjustments Centralized Data Entry Site by 11:00 a.m. ET with complete information and documentation will receive same day entry/acknowledgement.
Select an Error Type
- Disposition (DISP)
- Duplicate Entry (DUP)
- Encoding Error (ENC)
- Entry in Error (ERR)
- Entry in Error (ERR) Claim of Damage
- Information Request (INFO)
- Late Return Claim (LC)
- Late Return Disclaimer (LR)
- Listed Not Enclosed (LNE)
- Missing Cash/Return Letter (MCL)
- Non-Cash Item (NCH)
- Non-Receipt of Cash/Return Letter Credit (MCL)
- Not Our Item (NOI)
- Original or Sufficient Copy Request (OSCR)
- Paid Item (PAID)
- Photo in Lieu (PIL)
- Photocopy Request (PREQ)
- Remote Deposit Capture (RDC) Item
- Source of Receipt (SOR)
- Unauthorized Electronically Created Item (UECI)
- Unauthorized Remotely Created Check (URCC)
- Warranty/Indemnity Claim (WIC) Check 21 or Electronically Created Item (ECI)
- Wrong Payee Credited (WPC)
Retired Investigation Types
The following investigation types (ITYPS) have been retired and are no longer in use as an ITYP. Refer to each ITYP for action steps should the need arise to report the error condition or service request.