Skip to main content

2021 Paper Check Collection and FedImage® Services Fee Schedule

Paper Check Forward and Return Collection Fees and Deadlines

Forward Collection (all Billing Codes in Service Area 1501)

Forward Collection
Product/Tier Routing NumberFootnote 1 Processing Office Deadline Availability Cash Letter Fee Per Item Fee Billing Code
Mixed Forward ProductsFootnote 2
Encoded Deposits 7:00 PM Su-Th Immediate $15.00 $4.00 17650
Unencoded DepositsFootnote 3 7:00 PM Su-Th Immediate $15.00 $4.00 17650
Forward Item Amount Encoded $1.65 15990
Separately Sorted Government Items
Treasury Checks 0000-0051-8 7:00 PM Su-Th Immediate No Charge
Postal Money Orders 0000-0020-4
0000-0119-3
0000-0800-2
7:00 PM Su-Th Immediate No Charge
Savings Bonds 0000-9000-7 7:00 PM Su-Th Immediate No Charge
Forward Canadian Check ClearingFootnote 4
U.S. Funds Canadian format xxxxx-xxx 7:00 PM Su-Th Deferred $15.00 $5.50 15780
Canadian Funds Canadian format xxxxx-xxx 7:00 PM Su-Th Immediate $15.00 $5.50 15781
Cash Letter Correction Fee $22.00 15782
Canadian Amount Encoding $1.65 15990
Forward Foreign Item Clearing
GBP and EURO 7:00 PM Su-Th $15.00 $22.00 15786
All Other Items 7:00 PM Su-Th $15.00 $22.00 15787
Collection ItemsFootnote 5 7:00 PM Su-Th $15.00 $88.00 15788

Return Items (all Billing Codes in Service Area 3001 unless otherwise noted)

Return Items
Product/Tier Routing NumberFootnote 1 Processing Office Deadline Availability Cash Letter Fee Per Item Fee Billing Code
Qualified Items 7:00 PM Su-Th Immediate $15.00 $7.00 32401
Unqualified ItemsFootnote 3 7:00 PM Su-Th Immediate $15.00 $7.00 32401
Return Item Qualification $8.25 32990
Other Return Products
Large Dollar Return Item Notification via the FedLine Web® access solutionFootnote 6 12:00 PM M-F $4.00 30903
Large Dollar Return Item Notification via TelephoneFootnote 6 9:00 AM M-F $22.00 30904
Large Dollar Return Item Notification via Physical ItemFootnote 6 9:00 AM M-F $28.00 30905
Return Item Reclear $10.00
Level 1 (Items valued up to $100.00) $0.70 30910
Level 2 (Items valued up to $250.00) $0.80 30911
Level 3 (Items valued up to $500.00) $0.90 30912
Level 4 (Items valued up to $1,000.00) $1.00 30913
Quality Improvement Initiatives
Return Exceptions—Not Our Item SurchargeFootnote 7 $15.00 30990
Return Exceptions—FRB as BOFD Surcharge $15.00 52205 (SA 3021)
Return Exceptions—Invalid RT/CK Digit Failure $15.00 52205 (SA 3021)
Return Canadian Check Clearing
Canadian Return ItemsFootnote 8 $16.50 30931
Return Foreign Item Clearing
Foreign Returns $44.00 30935

Miscellaneous Fees

Product/Tier Routing NumberFootnote 1 Processing Office Deadline Availability Cash Letter Fee Per Item Fee Billing Code
Paper Adjustments $25.00 51995 (SA 1521)
Paper Deposit Reforwarding ServiceFootnote 9 $20.00 19003 (SA 1507)

Effective January 2, 2021

Paper Check Collection Footnotes

1The Key To Routing Numbers table includes a list of routing number assignments by District.

2All Mixed cash letters may include government items and postal money orders. These items are handled at no charge when deposited in separately sorted cash letters. Paper savings bonds will be accepted in separately sorted paper cash letters only. Paper savings bonds included in mixed paper deposits may be returned to the depositor.

3Unencoded deposits will be charged a separate encoding fee under product code 15990 (forward items) or product code 32990 (returns).

4Items in Canadian funds and items in U.S. funds must be deposited in separately sorted cash letters. Cash letter forms are available at FRBServices.org. The Federal Reserve Banks handle Canadian items as cash items with provisional credit and not as collection items. Provisional credit for Canadian items is passed according to whether items reach Atlanta by the published 7:00 PM ET deadline. U.S. fund Canadian cash letters will receive one-day deferred provisional credit for the face value of the cash letter if received by the deadline in Atlanta. Canadian fund cash letters will receive same-day (immediate) provisional credit based on the total appearing on the cash letter and an adjustment entry reflecting the current rate of exchange. Any item returned by the Canadian paying bank at any time for whatever reason will be returned to the bank that sent the item to a Reserve Bank for deposit.

5Subject to additional foreign bank charges. Price and availability vary. Contact FedACH and Check Customer Support at (877) 372-2457.

6The Large Dollar Return Item Notification per item fee is paid by the returning institution, not the bank of first deposit (BOFD)

7Unqualified return fees will be assessed to a financial institution claiming "Not Our Item" (NOI) if the routing number of the financial institution was identified as a BOFD in either the electronic file (type 26 record) or on the physical item itself.

8Canadian returns differ from domestic returns in that the return fee is paid by the original collecting institution, not the returning institution.

9Paper Deposit Reforwarding Service fee is assessed per cash letter for paper items delivered to any location other than the Federal Reserve Bank of Atlanta. This fee will apply to all paper deposits, both mixed and separately sorted, including savings bonds, Treasury items and POMOs.

Top of Page

FedImage® and Electronic Check Services Fees

FedImage Services

FedImage Services
Product File/Fixed Fee Per Item Fee Billing Code (all in Service Area 1505)
Image Archive
Image Capture + 7 business day archive $6.60 $0.0100 18890
Image Capture On–Us Surcharge $0.0233 18895
30 business day archive $0.0012 18958
60 business day archive $0.0014 18956
7 year archive / 11 year archive $0.0022 18955
Dual archive (Transition period up to 120 days)Footnote 10 $0.0013 19010
Extended dual archive (More than 120 days)Footnote 10 $0.0133 19011
Back File ConversionFootnote 10 $4.70 $0.0133 19014
Electronic On–Us ServiceFootnote 10 $4.70 $0.0133 19015
Extended RAID StorageFootnote 11
61 days to 6 months $0.0011 19631
61 days to 12 months $0.0026 19633
61 days to 24 months $0.0067 19636
Image Retrievals
Retrievals to view via FedLine Web® inquiry $0.4700 18915
Retrievals to email via FedLine Web
Request via FedLine Web inquiry $0.4700 18917
Recurring request $0.4700 18975
Image Access and Retrievals through a GatewayFootnote 12 $0.4700 18918
Subscription RetrievalsFootnote 13 $0.0029 19624 / 19625 / 19626 / 19627
Manual FedImage Requests (requests performed by FRB staff) $8.0000 18936
Image Delivery
Physical Media
CD-ROM Select Accounts Service—RAIDFootnote 14 $20/CD-ROM $0.0210 19640
CD-ROM—TapeFootnote 15 $20/CD-ROM $0.1300 19641

Electronic Check Services

Electronic Check Services
Product File/Fixed Fee Per Item Fee Billing Code (all in Service Area 1505)
Truncation
FedImage Enhanced TruncationFootnote 10 $7.25 $0.0120 18905
Return Item Retrieval—FedLine® Footnote 16 $1.4000 18161
Enhancement Options
Custom Pocket Sort—Forward $175.00 18350
Custom Pocket Sort—Returns $175.00 18356
Information Retrieval—FedLine (non-image) $2.7500 18164

FedImage Footnotes

10Service includes a long term archive component of 7 or 11 years which is billed separately under the product code listed above.

11RAID storage in excess of the standard 60 business day RAID storage. Available only with 60-day and 7-year / 11-year archive. In addition to archive fees.

12Images must be stored on RAID.

13Applies to all images archived for active customers only.

14Images must be stored on RAID and will be restricted to customer-specified select accounts.

15Provides delivery of images stored on tape.

16This option includes items to be returned to the BOFD, as well as LDRINs when applicable. This option does not include the Return Item deposit fees. The Return Item deposit fees are billed under the FedReturn Services product code 52009.

All prices effective January 4, 2021

Top of Page