2027 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)

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

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 April 2, 2027.

Product/Tier	Routing Number4	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 Items5		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 solution6		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 Telephone7		9:00 AM M-F			$22.00	30904
Large Dollar Return Item Notification via Physical Item8		9:00 AM M-F			$28.00	30905
Return Item Reclear				$15.00
Level 1 (Items valued up to $100.00)					$1.02	30910
Level 2 (Items valued up to $250.00)					$1.14	30911
Level 3 (Items valued up to $500.00)					$1.26	30912
Level 4 (Items valued up to $1,000.00)					$1.38	30913
Quality Improvement Initiatives
Return Exceptions—Not Our Item Surcharge9					$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 Clearing10
Canadian Return Items11					$40.00	30931
Return Foreign Item Clearing
Foreign Returns					$100.00	30935

Miscellaneous Fees

Product/Tier	Routing Number12	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 Service13				$20.00		19003 (SA 1507)

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FedImage^® and Electronic Check Services Fees

FedImage Services

Product	File/Fixed Fee	Per Item Fee	Billing Code (all in Service Area 1505)
Image Archive
Tier 1 Storage
30 business day archive		$0.0017	18958
60 business day archive		$0.0020	18956
Tier 2 Storage
7 year archive / 11 year archive		$0.0031	18955
Extended Tier 1 Storage14
61 days to 6 months		$0.0016	19631
61 days to 12 months		$0.0038	19633
61 days to 24 months		$0.0097	19636
Back File Conversion15	$10.60	$0.0174	19014
Electronic On–Us Service16	$10.60	$0.0174	19015
Image Retrievals
Subscription Retrievals17		$0.0042	19624
Manual FedImage Requests (requests performed by FRB staff)		$12.00	18936

Electronic Check Services

Product	File/Fixed Fee	Per Item Fee	Billing Code (all in Service Area 1505)
Truncation
FedImage Enhanced Truncation18	$10.60	$0.0174	18905
Return Item Retrieval—FedLine®19		$2.00	18161
Enhancement Options
Custom Sort Fee—Forward	$254.40		18350
Custom Sort Fee—Returns	$254.40		18356

Effective January 1, 2027

Footnotes

1. The Key To Routing Numbers table includes a list of routing number assignments by District. ↩︎
2. 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. ↩︎
3. Unencoded deposits will be charged a separate encoding fee under product code 15990 (forward items) or product code 32990 (returns). ↩︎
4. See footnote 1. ↩︎
5. See footnote 3. ↩︎
6. The Large Dollar Return Item Notification per item fee is paid by the returning institution, not the bank of first deposit (BOFD). ↩︎
7. See footnote 6. ↩︎
8. See footnote 6. ↩︎
9. 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. ↩︎
10. Foreign and Canadian forward item deposits will be accepted until Dec. 4, 2026. Foreign and Canadian return items will be accepted until April 2, 2027. ↩︎
11. Canadian returns differ from domestic returns in that the return fee is paid by the original collecting institution, not the returning institution. Canadian return items will be accepted until April 2, 2027. ↩︎
12. See footnote 1. ↩︎
13. 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. ↩︎
14. 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.  ↩︎
15. Service includes a long term archive component of 7 or 11 years which is billed separately under the product code listed above. ↩︎
16. See footnote 15. ↩︎
17. Applies to all images archived for active customers only. ↩︎
18. See footnote 15. ↩︎
19. 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. ↩︎

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