Warranty/Indemnity Claim (WIC) Remote Deposit Capture (RDC) Item

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ITYP Description | Proper Usage

Warranty/Indemnity Claim (WIC) Remote Deposit Capture (RDC) Item - Used by the Paper Deposit Bank to request a credit entry regarding their allegation they received an original paper check returned unpaid (via Paid Item (PAID) adjustment entry or a Return Letter) because the check was previously deposited using a remote deposit capture service. The RDC item must have been processed through the Federal Reserve Banks (FRBs) and the RDC Bank must have received settlement, through a FRB, for the item with no return of the item.

The Paper Deposit Bank must have received the original paper item as a deposit, sent it forward through the FRB for collection and had it charged back via a Forward (FWD) PAID adjustment entry or Return Letter and the item did not have a restrictive indorsement that is inconsistent with the paper deposit.

If you discover a WIC associated with an RDC item, submit an adjustment request to the Federal Reserve using the WIC ITYP.

Note: If the charge back was received via a FWD PAID adjustment entry, the Federal Reserve Bank’s Sender Reference Number (SREF) from the PAID adjustment entry is required. Provide the SREF for the PAID adjustment entry in the Receiver Reference Number (RREF) field of the RDC request.

If the charge back was received via a return letter, the Federal Reserve’s source for the RDC item, including the date and sequence number (obtained from the Paying Bank) is required in the comments.

Your Action

Submit an Electronic Case or Adjustment Request Form (PDF). Use error type WIC.

Reporting Time Frame and Federal Reserve Bank Action

Warranty/Indemnity Claim (WIC) Remote Deposit Capture (RDC) Item reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within 90 calendar days
of the date of the PAID adjustment entry or return letter date.
Same day acknowledgement - Provided requirements are met.* Provide entry within 20 business days.
After 90 calendar days
of the date of the PAID adjustment entry or return letter date.
Same day acknowledgement - Provided requirements are met.* No entry. Request is more than 90 calendar days old and is not eligible for handling through adjustments channels.

Required Attachments

A legible copy of the completed Remote Deposit Capture Indemnity Claim form (PDF). Refer to the Remote Deposit Capture Indemnity Claim instructions (PDF) and Remote Deposit Capture Indemnity Claim form example (PDF) for more information on the required form.

In consideration of the remote work arrangements many of our customers are experiencing due to COVID-19, we are temporarily allowing electronic signatures on Check Adjustment forms that require an authorized, written representation, signature. We will continue to assess these changes, with the expectation to revert back to previous requirements regarding signatures at the appropriate time.

Required Fields

Warranty/Indemnity Claim (WIC) Remote Deposit Capture (RDC) Item required fields for paper forms and FedLine messages.
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) Warranty/Indemnity Claim (WIC) Remote Deposit Capture (RDC) Item Warranty/Indemnity Claim (WIC)
Message Type (MTYP) Open (OPEN) Open (CA1000)
Case Amount (AMT) Amount of the RDC item Amount of the RDC item
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) You sent the cash letter to the Federal Reserve
FCL - Your institution's ABA number
TCL - Federal Reserve Bank's ABA number
Product Type (PROD) Forward (FWD) Forward
Case Comments (COM1) The comments must include the FRB’s source for the RDC item (including the Date and Sequence number the RDC item was received by the paying bank) unless a PAID adjustment entry was involved
Attachment Attachment Upload File
Cash Letter or Entry Date (CLED) Date of the cash letter; your deposit date with FRB
Cash Letter Total (CLT) Cash letter total in which the item involved in the claim is contained
Tape Total (TT) Tape/bundle total in which the item involved in the claim is contained
Sequence Number (SEQ) Your institution’s sequence number
Item Before Amount (IBEF) Dollar amount of the item listed on the cash letter detail listing before the item. If the item is the first item, then enter .00.
Item After Amount (IAFT) Dollar amount of the item listed on the cash letter detail listing after the item. If the item is the last item, then enter .00.

Optional Fields

Remote Deposit Capture (RDC) Item required fields for paper forms and FedLine messages.
Field Name Paper Form FedLine CA1000 Message
Receiver Reference Number (RREF) If you received the item back via a PAID adjustment entry, the RREF field must include the SREF from the PAID adjustment entry

*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.

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Retired Investigation Types

The following investigation types are outdated and have minimal usage. These investigation types were eliminated on May 22, 2017.

Select an Error Type

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