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- Warranty/Indemnity Claim (WIC) Associated with Remote Deposit Capture (RDC) Items
Warranty/Indemnity Claim (WIC) Associated with Remote Deposit Capture (RDC) Items
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ITYP Description | Proper Usage
Warranty/Indemnity Claim (WIC) Associated with Remote Deposit Capture (RDC) Items - Used by the Paper Deposit Bank to request a credit entry regarding their allegation they received an original paper check returned unpaid (via Paid Item (PAID) adjustment entry or a Return Letter) because the check was previously deposited using a remote deposit capture service. The RDC item must have been processed through the Federal Reserve Banks (FRBs) and the RDC Bank must have received settlement, through a FRB, for the item with no return of the item.
The Paper Deposit Bank must have received the original paper item as a deposit, sent it forward through the FRB for collection and had it charged back via a Forward (FWD) PAID adjustment entry or Return Letter and the item did not have a restrictive indorsement that is inconsistent with the paper deposit.
If you discover a WIC associated with a RDC item, submit an adjustment request to the Federal Reserve using the WIC ITYP.
Note: If the charge back was received via a FWD PAID adjustment entry, the Federal Reserve’s Sender’s Reference (SREF) number from the PAID adjustment entry is required. Provide the SREF number for the PAID adjustment entry in the Receiver’s Reference (RREF) field of the RDC request.
If the charge back was received via a return letter, the Federal Reserve’s source for the RDC item, including the date and sequence number (obtained from the Paying Bank) is required in the comments.
Your Action
Submit an Electronic Case or Adjustment Request Form (PDF). Use error type WIC.
| Reporting Time Frame | Federal Reserve Bank Action |
|---|---|
| Within 90 calendar days
of the date of the PAID adjustment entry or return letter date. |
Same day acknowledgement - provided requirements are met.* Provide entry within twenty business days. |
| After 90 calendar days
of the date of the PAID adjustment entry or return letter date. |
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 legible copy of the completed Remote Deposit Capture Indemnity Claim form (PDF). Refer to the instructions (PDF) and example (PDF) for more information on the required form.
Required Fields
| Field Name | Paper Form | FedLine CA1000 Message |
|---|---|---|
| Sender ABA (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 ABA (RCVR) | Receiving Federal Reserve Bank's name and/or ABA # | Federal Reserve Bank ABA # from drop-down list |
| Case Investigation Type (ITYP) | WIC Associated with Remote Deposit Capture Items | WIC |
| Message Type (MTYP) | Open (OPEN) | Auto-fills with OPEN |
| Case Amount (AMT) | Amount of the RDC item | |
| Entry Type (ETYP) | Credit | CR |
| Sender Reference Number (SREF) | Your institution’s case # (max of 14 characters) | |
| Contact Information (CNTC & TELE) | Contact name, address and telephone number | Contact name and telephone number |
| From Cash Letter ABA (FCL) & To Cash Letter ABA (TCL) | You sent the cash letter to the Federal Reserve FCL - Your institution's ABA # TCL - Federal Reserve's ABA # |
|
| Product Type (PROD) | Forward (FWD) | FWD - forward |
| Case Comments (COM1) | The comments must include the FRB’s source for the RDC item (including the Date and Sequence number the RDC item was received by the paying bank) unless a PAID adjustment entry was involved | |
| Attachment (DTF) | Attachment | Attachment code from drop-down box |
| Cash Letter or Entry Date (CLED) | Date of the cash letter; your deposit date with FRB | |
| Cash Letter 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 Number (SEQ) | Your sequence number | |
| Item Before Amount (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 .00. | |
| Item After Amount (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 .00. | |
Optional Fields
| Field Name | Paper Form | FedLine CA1000 Message |
|---|---|---|
| Receiver Reference Number (RREF) | If you received the item back via a PAID adjustment entry, the RREF field must include SREF number from the PAID adjustment entry |
*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. For requests submitted using the text (TXT) file format, attachments must be received within five business days of receipt of the electronic request. If the supporting documentation is required and not received 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 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)
- Source of Receipt (SOR)
- Warranty/Indemnity Claim (WIC) Check 21 or Electronically Created Items (ECIs)
- Warranty/Indemnity Claim (WIC) Remote Deposit Capture (RDC) Item
- Warranty/Indemnity Claim (WIC) Unauthorized Electronically Created Item (UECI)
- Warranty/Indemnity Claim (WIC) Unauthorized Remotely Created Check (URCC)
Retired Investigation Types
The following investigation types are outdated and have minimal usage. These investigation types were eliminated on May 22, 2017.
Select an Error Type
