Technical Resources

Prepare for implementation of Check 21 and image based clearing using these helpful technical resources. Use the following links to gather information on how to establish image-based clearing services.

• Universal Companion Document (pdf)
  Examine the Universal Companion document to learn the industry approach for populating and validating check image files.
  
  
• Substitute Checks: Development of Processing & Quality Standards (pdf)
  Learn about the standards that apply to electronic images of checks and review in detail the standard developed specifically for substitute checks, DSTU X9.90. This standard has been updated since this document was originally created by ECCHO. However, this document still provides you with background information and examples of substitute checks.  For details regarding the revision, please see the standard X9.100-140, which can be obtained only through the American National Standards Institute (ANSI).
  
  
• Financial Industry Standards (pdf)
  Review the catalog of ASC X9 Financial Industry Standards. Included is a brief description of each standard and information on how download and/or purchase the entire standard from the American National Standards Institute (ANSI).
  
  
• Organization of Standards for Paper-based and Image-based Payments (pdf)
  Review the X9 technical report for TR 100-2006, including information on the core and application standards for paper-based and image-based payments, applicable technical reports and guidelines, and the definitions of terms and the standards that use them.