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Check 21 Duplicate Notification Service

The Check 21 Duplicate Notification Service provides the opportunity for check processing organizations to more efficiently communicate and effectively resolve issues related to duplicate file events.

The service, which leverages the FedMail® Service, enables industry-wide communications capability, allowing organizations subscribing to FedMail to provide timely notice and contact information about duplicate file events to other FedMail subscribers. All organizations currently subscribing to the FedMail Service can take advantage of the service.

Service Description

The Check 21 Duplicate Notification Service offers an industry best practices approach for communicating among check image industry participants – providing expeditious notification of a duplicate event.

If a FedMail Subscriber at a depositing bank creates a duplicate situation, they can easily notify affected FedMail Subscribers at paying banks.

The Check 21 Duplicate Notification Service is recommended for use when incidents result in 50 or more duplicate items.

The Federal Reserve Banks provide this service enhancement at no cost to financial institutions on a best-efforts basis. By using this enhanced service, your institution agrees that the Federal Reserve Banks have no responsibility for the content of a notification submitted by a sender, and the Federal Reserve Banks have no liability to a receiver with respect to any notification, whether such notification is sent to the receiver or whether the Federal Reserve Bank fails to send a notification requested by a sender.

Notification Process

  • A depositing institution (sender) that created the Check 21 duplicate situation can easily notify impacted paying institutions (receivers) that a duplicate situation has occurred.
  • Senders will be prompted to enter information including, ABA (RTN), number of items, dollar amount and contact information into the Check 21 Duplicate Notification Service online form. A spreadsheet (template provided) detailing the receiver’s ABA, summary number of items and total dollar amount will need to be provided to complete the request.
  • The Federal Reserve Banks, acting as an intermediary, will capture the duplicate notification information and perform a validity check of the source of the notification.
  • The Federal Reserve Banks will then use FedMail to distribute the notification to affected paying institutions (receivers) that subscribe to FedMail.
  • The paying institutions (receivers) affected by the duplicate item event that are also FedMail subscribers will be sent a notification indicating that their institution was involved in a duplicate item situation. This notification will include summary information about how they were affected along with contact information for the depositing institution.
  • Upon receipt of the notification, the receiver can take appropriate action with the deposition institution (sender).

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