CheckImage Central
Tuesday, September 1, 2015   

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Understanding Canadian Return Reason Codes

Updated Proper Use of Return Reason Codes in Image Exchange to conform to

Information and Usage

White Paper:
Additional Issues Regarding Possible Duplicate Presentment of Check Images

The Role of Private Sector Rules and Federal Reserve System Rules

CheckImage Central

Welcome to CheckImage Central—your one stop shop for industry information and education about check image clearing including industry statistics, videos and papers on how to become image-enabled.

Enhancements to Interoperability Standards for Check Image File Formats

The CheckImage Collaborative announces an enhanced Universal Companion Document (UCD) which establishes a uniform industry approach for populating and validating check image files.

Updated UCD - Version 1.3

Version1.3 was developed to conform to the new updated X9.100-187-2013. This version does not change any previous requirements, is totally compatible with the previous version of the UCD and does not mandate any changes to existing clearing systems.

Version 1.2 and Version 1.1 are still available through these links.

UCD Implementation Points of Emphasis

This document lists issues identified by many of the early UCD adopters as being implemented incorrectly when constructing a UCD compliant file. This document does not add, remove, or modify the existing UCD in any way. This is a list of UCD records and fields, others have overlooked in their implementations with recommendations to ensure a successful implementation of UCD compliant files.

Paper checks continue to transition to electronic images at an extraordinary rate with almost 70% of all institutions now receiving images. With statistics now available for three and one half years, the CheckImage Collaborative will now report the Industry statistics on a quarterly basis in order to show a more complete historical trend.

Industry Statistics -- April 2015

Average # of Images Received/Day


  View more Industry Statistics