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Warranty/Indemnity Claim (WIC) Associated with Unauthorized Remotely Created Checks (URCCs)

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ITYP Description | Proper Usage

Warranty/Indemnity Claim (WIC) Associated with Unauthorized Remotely Created Checks (URCCs) - Paying institution alleges that the remotely created check was not authorized in the amount stated on the check to the payee indicated on the check.

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

Your Action

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

Information about Warranty/Indemnity Claim (WIC) Associated with Unauthorized Remotely Created Checks (URCCs) reporting time frames and actions.
Reporting Time Frame Federal Reserve Bank Action
Within 90 calendar days
of the cash letter date of the original presentment of the item in dispute
Same day acknowledgement - provided requirements are met.*

Provide entry within five business days.
After 90 calendar days
of the cash letter date of the original presentment of the item in dispute.
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 copy of the customer's written statement asserting under oath that the item in question was unauthorized, and a legible photocopy of the front and back of the item in dispute.

Although a specific form is not required, the customer statement must clearly indicate that it was asserted under oath and must contain the Regulation CC language that serves as the basis for the warranty claim - that the person or entity on whose account the remotely created check is drawn did not authorize the issuance of the check in the amount stated on the check to the payee stated on the check.

Required Fields

Information about Warranty/Indemnity Claim (WIC) Associated with Unauthorized Remotely Created Checks (URCCs) 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 Unauthorized Remotely Created Checks WIC
Request Type (MTYP) Open (OPEN) Auto-fills with OPEN
Amount (AMT) Amount of the URCC
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 letter to your institution
  • FCL - Federal Reserve's ABA #
  • TCL - Your institution's ABA #
Product Class (PROD) Forward (FWD) FWD - forward
Attachment (DTF) Attachment Attachment code from drop-down box
Cash Letter or Entry Date (CLED) Date of the cash letter
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) The Federal Reserve's ISN # of the item
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.

*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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