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.

The CheckImage Collaborative, initiated by the Electronic Check Clearing House Organization (ECCHO) and the Retail Payments Office (RPO) of the Federal Reserve Bank of Atlanta is comprised of representatives of trade and financial organizations from across the country. The group was formed in early 2005 to identify and share information on check image clearing that will help financial institutions understand and successfully implement image exchange. It is believed the industry as a whole can benefit by collaborating to develop information and provide education on check image exchange.

Enhancements to Interoperability Standards

The CheckImage Collaborative and X9 announced the release of a new technical report X9 TR-47.  This TR incorporates the Universal Companion Document (UCD) which establishes a uniform industry approach for populating and validating check image files. TR 47 was developed to conform to the X9.100-187. This version does not change any previous requirements, it is totally compatible with the previous version of the UCD and does not mandate any changes to existing clearing systems. (Version 1.3Version 1.2 |Version 1.1)

The UCD Points Of Emphasis 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.


Industry Statistics – November 2017

  • The volume of transit check images declined from 2015 to 2016 by only 2.56% and has declined only 3.68% through November 2017.
  • The dollar amount of transit check images grew from year 2015 to year 2016 by .47% and has increased 2.18% through November 2017.
  • More than 19,700 routing transit numbers are available to receive check images and over 20,700 are available to receive image returns.
  • On an average day during November 2017, over 48 million interbank check images were received for posting. When the November volume is annualized, it totals 12.1 billion for $20.5 trillion.  The annualized volume of substitute checks received in November 2017 totaled only 699 thousand for $1.1 billion.

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