Warranty/Indemnity Claim (WIC) Check 21 or Electronically Created Item (ECI)
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ITYP Description | Proper Usage
Warranty/Indemnity Claim (WIC) Check 21 or Electronically Created Item (ECI) – Used by the Depository institution to request a credit entry regarding their allegation of a breach of warranty and/or breach of indemnity involving a substitute check, electronically created item, remotely created check, or an item presented or returned in an X9.100-187 (X9.37) image cash/return letter.
If you discover a WIC, submit an adjustment request to the Federal Reserve.
Submit an Electronic Case or Adjustment Request Form (PDF).
|Reporting Time Frame||Federal Reserve Bank Action|
|Within one calendar year
of the cash/return letter date.
|Same day acknowledgement - Provided requirements are met.* Respond to request within 80 business days.|
A substantially completed and signed Warranty/Indemnity Claim (WIC) Check 21 or Electronically Created Item (ECI) Form (PDF) must be provided by the requester, as well as a copy of the substitute check, electronically created item or image item presented/returned in the ANSI X9.100-187 (X9.37) image cash/return letter involved in the claim. If the claim involves a multiple (typically double) payment, copies of both items involved should be provided. Supporting documentation should also be provided as proof of claimed damages.
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.
|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) Check 21 or Electronically Created Item (ECI)||Warranty/Indemnity Claim (WIC)|
|Message Type (MTYP)||Open (OPEN)||Open (CA1000)|
|Case Amount (AMT)||Amount of the claim||Amount of the claim|
|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|
|Case Comments (COM1)||Description of the request. If claim is due to multiple (typically double) payment of an item, include source information (FCL, TCL, CLED, CLT, TT, SEQ, IBEF and IAFT) of the first presentment. Also provide name, address, and phone number of the primary contact.|
|Cash Letter or Entry Date (CLED)||Date of the cash/return letter|
|Cash Letter Total (CLT)||Cash/return 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)||The Federal Reserve Bank's item sequence number (ISN) of the item involved in the claim|
|Item Before Amount (IBEF)||Dollar amount of the item listed on the cash/return letter detail listing before the item involved in the claim. If the item involved in the claim 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 involved in the claim. If the item involved in the claim 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.
Select an Error Type
- Advice Request (AREQ)
- Enclosed Not Listed (ENL)
- Expedited Recredit (EXRC)
- Extra Bundle (EBDL)
- Extra Cash Letter (ECL)
- Free Item (FREE)
- Listing Error (LST)
- Missing Bundle (MBDL)