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Warranty/Indemnity Claim (WIC) Associated with Remote Deposit Capture (RDC) Items

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ITYP Description | Proper Usage

Warranty/Indemnity Claim (WIC) Associated with Remote Deposit Capture (RDC) Items - Paper Deposit Bank alleges 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 (FRB) 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 a 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’s Sender’s Reference (SREF) number from the PAID adjustment entry is required. Provide the SREF number for the PAID adjustment entry in the Receiver’s Reference (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.

Information about Warranty/Indemnity Claim (WIC) Associated with Remote Deposit Capture (RDC) items 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 twenty 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 instructions (PDF) and example (PDF) for more information on the required form.

Also, refer to the Documents to Follow (DTF) Image/Archive Reference Guide and the Check Adjustments Tips: Verify electronic requests and /or supporting documentation were received by the Federal Reserve Banks for more information on DTFs.

Required Fields

Information about Warranty/Indemnity Claim (WIC) Associated with Remote Deposit Capture (RDC) items 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) WIC Associated with Remote Deposit Capture Items WIC
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the RDC 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 You sent the cash letter to the Federal Reserve
FCL - Your institution's ABA #
TCL - Federal Reserve's ABA #
Product Class (PROD) Forward (FWD) FWD - forward
Comments (COM) 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 (DTF) Attachment Attachment code from drop-down box
Cash Letter or Entry Date (CLED) Date of the cash letter; your deposit date with FRB
C/L 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 # (SEQ) Your sequence number
Item Before (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 .01.
Item After (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 .01.

Optional Fields

Information about Remote Deposit Capture (RDC) items reporting field names, forms and FedLine messages.
Field Name Paper Form FedLine CA1000 Message
Receiver’s Reference (RREF) If you received the item back via a PAID adjustment entry, the RREF field must include SREF number 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, 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

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

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