2026 Paper Check Collection and FedImage® Services Fee Schedule
Paper Check Forward and Return Collection Fees and Deadlines
Forward Collection (all Billing Codes in Service Area 1501)
Foreign and Canadian Check Services will be discontinued in 2026. Foreign and Canadian forward item deposits will be accepted until Dec. 4, 2026.
| Product/Tier | Routing Number1 | Processing Office Deadline | Availability | Cash Letter Fee | Per Item Fee | Billing Code |
|---|---|---|---|---|---|---|
| Mixed Forward Products2 | ||||||
| Encoded Deposits | 7:00 PM Su-Th | Immediate | $40.00 | $10.00 | 17650 | |
| Unencoded Deposits3 | 7:00 PM Su-Th | Immediate | $40.00 | $10.00 | 17650 | |
Forward Item Amount Encoded | $5.00 | 15990 | ||||
| Separately Sorted Government Items | ||||||
| Treasury Checks | 0000-0051-8 | 7:00 PM Su-Th | Immediate | No Charge | ||
| Postal Money Orders | 0000-0020-4 0000-0119-3 0000-0800-2 | 7:00 PM Su-Th | Immediate | No Charge | ||
| Savings Bonds | 0000-9000-7 | 7:00 PM Su-Th | Immediate | No Charge | ||
| Forward Canadian Check Clearing4 | ||||||
| U.S. Funds | Canadian format xxxxx-xxx | 7:00 PM Su-Th | Deferred | $40.00 | $10.00 | 15780 |
| Canadian Funds | Canadian format xxxxx-xxx | 7:00 PM Su-Th | Immediate | $40.00 | $10.00 | 15781 |
| Cash Letter Correction Fee | $40.00 | 15782 | ||||
Canadian Amount Encoding | $5.00 | 15990 | ||||
| Forward Foreign Item Clearing | ||||||
| GBP and EURO | 7:00 PM Su-Th | $40.00 | $40.00 | 15786 | ||
| All Other Items | 7:00 PM Su-Th | $40.00 | $100.00 | 15787 | ||
| Collection Items5 | 7:00 PM Su-Th | $15.00 | $95.00 | 15788 | ||
Return Items (all Billing Codes in Service Area 3001 unless otherwise noted)
Foreign and Canadian Check Services will be discontinued in 2026. Foreign and Canadian return items will be accepted until Apr. 2, 2027.
| Product/Tier | Routing Number6 | Processing Office Deadline | Availability | Cash Letter Fee | Per Item Fee | Billing Code |
|---|---|---|---|---|---|---|
| Qualified Items | 7:00 PM Su-Th | Immediate | $40.00 | $10.00 | 32401 | |
| Unqualified Items7 | 7:00 PM Su-Th | Immediate | $40.00 | $10.00 | 32401 | |
Return Item Qualification | $11.00 | 32990 | ||||
| Other Return Products | ||||||
| Large Dollar Return Item Notification via the FedLine Web® access solution8 | 12:00 PM M-F | |||||
LDRIN Tier 1 – Greater than 5,000 monthly | $3.50 | 30902 | ||||
LDRIN Tier 2 – Less than 5,000 monthly | $5.00 | 30903 | ||||
| Large Dollar Return Item Notification via Telephone9 | 9:00 AM M-F | $22.00 | 30904 | |||
| Large Dollar Return Item Notification via Physical Item10 | 9:00 AM M-F | $28.00 | 30905 | |||
| Return Item Reclear | $12.00 | |||||
Level 1 (Items valued up to $100.00) | $0.85 | 30910 | ||||
Level 2 (Items valued up to $250.00) | $0.95 | 30911 | ||||
Level 3 (Items valued up to $500.00) | $1.05 | 30912 | ||||
Level 4 (Items valued up to $1,000.00) | $1.15 | 30913 | ||||
| Quality Improvement Initiatives | ||||||
| Return Exceptions—Not Our Item Surcharge11 | $15.00 | 30990 | ||||
| Return Exceptions—FRB as BOFD Surcharge | $15.00 | 52205 (SA 3021) | ||||
| Return Exceptions—Invalid RT/CK Digit Failure | $15.00 | 52205 (SA 3021) | ||||
| Return Canadian Check Clearing | ||||||
| Canadian Return Items12 | $40.00 | 30931 | ||||
| Return Foreign Item Clearing | ||||||
| Foreign Returns | $100.00 | 30935 | ||||
Miscellaneous Fees
| Product/Tier | Routing Number13 | Processing Office Deadline | Availability | Cash Letter Fee | Per Item Fee | Billing Code |
|---|---|---|---|---|---|---|
| Paper Adjustments | $25.00 | 51995 (SA 1521) | ||||
| Paper Documents to Follow | $25.00 | 51996 (SA 1521) | ||||
| Paper Deposit Reforwarding Service14 | $20.00 | 19003 (SA 1507) |
FedImage® and Electronic Check Services Fees
FedImage Services
| Product | File/Fixed Fee | Per Item Fee | Billing Code (all in Service Area 1505) |
|---|---|---|---|
| Image Archive | |||
| 30 business day archive | $0.0014 | 18958 | |
| 60 business day archive | $0.0017 | 18956 | |
| 7 year archive / 11 year archive | $0.0026 | 18955 | |
| Back File Conversion15 | $8.80 | $0.0145 | 19014 |
| Electronic On–Us Service16 | $8.80 | $0.0145 | 19015 |
| Extended RAID Storage17 | |||
61 days to 6 months | $0.0013 | 19631 | |
61 days to 12 months | $0.0032 | 19633 | |
61 days to 24 months | $0.0081 | 19636 | |
| Image Retrievals | |||
Subscription Retrievals18 | $0.0035 | 19624 | |
Manual FedImage Requests (requests performed by FRB
staff) | $10.00 | 18936 | |
Electronic Check Services
| Product | File/Fixed Fee | Per Item Fee | Billing Code (all in Service Area 1505) |
|---|---|---|---|
| Truncation | |||
| FedImage Enhanced Truncation19 | $8.80 | $0.0145 | 18905 |
| Return Item Retrieval—FedLine®20 | $1.70 | 18161 | |
| Enhancement Options | |||
| Custom Pocket Sort—Forward | $212.00 | 18350 | |
| Custom Pocket Sort—Returns | $212.00 | 18356 | |
Footnotes
Effective January 1, 2026
- The Key To Routing Numbers table includes a list of routing number assignments by District. ↩︎
- All Mixed cash letters may include government items and postal money orders. These items are handled at no charge when deposited in separately sorted cash letters. Paper savings bonds will be accepted in separately sorted paper cash letters only. Paper savings bonds included in mixed paper deposits may be returned to the depositor. ↩︎
- Unencoded deposits will be charged a separate encoding fee under product code 15990 (forward items) or product code 32990 (returns). ↩︎
- Items in Canadian funds and items in U.S. funds must be deposited in separately sorted cash letters. Cash letter forms are available at FRBservices.org. The Federal Reserve Banks handle Canadian items as cash items with provisional credit and not as collection items. Provisional credit for Canadian items is passed according to whether items reach Atlanta by the published 7:00 PM ET deadline. U.S. fund Canadian cash letters will receive one-day deferred provisional credit for the face value of the cash letter if received by the deadline in Atlanta. Canadian fund cash letters will receive same-day (immediate) provisional credit based on the total appearing on the cash letter and an adjustment entry reflecting the current rate of exchange. Any item returned by the Canadian paying bank at any time for whatever reason will be returned to the bank that sent the item to a Reserve Bank for deposit. ↩︎
- Subject to additional foreign bank charges. Price and availability vary. Contact the Support Center. ↩︎
- See footnote 1. ↩︎
- See footnote 3. ↩︎
- The Large Dollar Return Item Notification per item fee is paid by the returning institution, not the bank of first deposit (BOFD). ↩︎
- See footnote 8. ↩︎
- See footnote 8. ↩︎
- Unqualified return fees will be assessed to a financial institution claiming “Not Our Item” (NOI) if the routing number of the financial institution was identified as a BOFD in either the electronic file (type 26 record) or on the physical item itself. ↩︎
- Canadian returns differ from domestic returns in that the return fee is paid by the original collecting institution, not the returning institution. ↩︎
- See footnote 1. ↩︎
- Paper Deposit Reforwarding Service fee is assessed per cash letter for paper items delivered to any location other than the Federal Reserve Bank of Atlanta. This fee will apply to all paper deposits, both mixed and separately sorted, including savings bonds, Treasury items and POMOs. ↩︎
- Service includes a long term archive component of 7 or 11 years which is billed separately under the product code listed above. ↩︎
- See footnote 15. ↩︎
- RAID storage in excess of the standard 60 business day RAID storage. Available only with 60-day and 7-year / 11-year archive. In addition to archive fees. ↩︎
- Applies to all images archived for active customers only. ↩︎
- See footnote 15. ↩︎
- This option includes items to be returned to the BOFD, as well as LDRINs when applicable. This option does not include the Return Item deposit fees. The Return Item deposit fees are billed under the FedReturn Services product code 52009. ↩︎