Main Content

Check Information

CheckImage Central seeks to provide relevant check information to the industry.

Briefing on Stale-Dated Items
This outline discusses certain UCC sections applicable to dates on checks, including payment of stale-dated checks and the relationship of stale-dated checks to UCC 4 presentment/transfer warranties.

US and Canadian Return Reason Codes
This document was created to provide US banks with an understanding of the differences in Return Reason Codes they will encounter when presenting deposited Canadian Cheques in an electronic manner (X9.100-187) to a Canadian bank.

X9 Check Standards
X9 develops, maintains and promotes standards for the financial services industry. The X9 Board is a consensus body, voting on acceptance/rejection of X9 standards for submittal to ANSI to become American National Standards. The organization is comprised of subcommittees, like X9B for Checks and Back Office Operations.  The most utilized check standards include:

ANSI X9.100-188 | Return Reasons
The Uniform Commercial Code and Regulation CC do not include a list of specific reasons that an item may be dishonored and returned. However with image exchange, the standard exchange format provides a list of return reasons and associated codes that must be used for image exchange. Use of these return reasons has become the standard industry practice.

TR-47 Universal Companion Document Industry adoption of X9.100-187
The Universal Companion Document is now an X9 Technical Report. This TR incorporates the Universal Companion Document which establishes a uniform industry approach for populating and validating electronic check files. TR 47 was developed to conform to the X9.100-187.

Free X9 Check Standards