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- Warranty/Indemnity Claim (WIC) Associated with Check 21 or Electronically Created Items (ECIs)
Warranty/Indemnity Claim (WIC) Associated with Check 21 or Electronically Created Items (ECIs)
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ITYP Description | Proper Usage
Warranty/Indemnity Claim (WIC) Associated with Check 21 or Electronically Created Items (ECIs) – 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. WIC is used to report/resolve WIC Check 21/ Electronically Created Items (ECIs), WIC Remote Deposit Capture (RDC) item, WIC Unauthorized Electronically Created Item (UECI) and WIC Unauthorized Remotely Created Check (URCC).
If you discover a WIC, submit an adjustment request to the Federal Reserve.
Your Action
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 eighty business days. |
Required Attachments
A substantially completed and signed Warranty/Indemnity Claim Check 21 or Electronically Created Item 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.
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 Check 21 or Electronically Created Items (ECIs) | WIC |
| Message Type (MTYP) | Open (OPEN) | Auto-fills with OPEN |
| Case Amount (AMT) | Amount of the claim | |
| 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) | The Federal Reserve sent the cash/ return letter to your institution FCL - Federal Reserve's ABA # TCL - Your institution's ABA # |
|
| Product Type (PROD) | The appropriate cash letter product code | 3-character cash letter product code from the drop-down list |
| Attachment (DTF) | Attachment | Attachment code from drop-down box |
| 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's 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. 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
