Check Return Codes Flashcards
NSF - Not Sufficient Funds
A
UCF - Uncollected Funds Hold
B
Stop Payment
C
Closed Account
D
UTLA - Unable to Locate Account
E
Frozen/Blocked Account–Account has Restrictions placed on it by either customer or ban
F
Stale Dated
G
Post Dated
H
Endorsement Missing
I
Endorsement Irregular
J
Signature Missing
K
Signature Irregular, Suspected Forgery
L
Non-Cash Item (Non-Negotiable) n
M
Altered/Fictitious Item/Suspected Counterfeit/Counterfeit
N
Unable to Process
O
Item outside of stated dollar amount limit
P
Not Authorized
Q
Not Our Item / Wrong Bank
R
Refer to Maker
S
Item cannot be re-presented (Exceeds number of allowable times item can be presented
T
Unusable Image (I(mage could not be used for required business purpose) Gross image defect
U
Cannot Determine Amount–Amount cannot be verified
W
Refer to Image–Return Reason information is contained within the image of the item
X
Duplicate Presentment (Supporting documentation shall be readily available)
Y
Forgery–An affidavit shall be available upon request
Z
Warranty Breach (Includes Rule 8 & 9 claims)
3
ECCHO RCC Warranty Breach (Rule 8)
4
ECCHO Forged and Counterfeit Warranty Breach (Rule 9)
5
Retired/Ineligible/Failed Institution Routing Number
6
I - for Administrative Return
Image Missing
I - for Customer Return
Endorsement Missing
Q - for Administrative Return
Ineligible
Q - for Customer Return
Not Authorized
T - for Administrative Return
Item cannot be re-presented
T - for Customer Return
Item cannot be re-presented
u - for Administrative Return
Unusable Image
U - for Customer Return
Unusable Image
V - for Administrative Return
Image Fails Security Check
Y - for Administrative Return
Duplicate Presentment
Y - for Customer Return
Duplicate Presentment
1
Does not conform with ANSI X9.100-181 Specification f
2
Does not conform ASC X9 TR 47 Universal Companion Document
Return reason I for Customer return and for Administrative return?
Customer return - Endorsement Missing
Administrative return - Image Missing
Return reason Q for Customer return and for Administrative return?
Customer - Not Authorized
Administrative - Ineligible
Return reason T for Customer return and for Administrative return?
Same for both: Item cannot be re-presented
Return reason U for Customer return and Administrative return?
Same for both: Unusable Image
Return reason Y for Customer return and Administrative return?
Same for both: Duplicate Presentment
Return reason codes that are different for Administrative and Customer returns?
I and Q
Return reason codes that fall under both Administrative and Customer returns?
T, U, and Y
