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Standard 015 Eng

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Standard 015 Eng

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CANADIAN PAYMENTS ASSOCIATION

ASSOCIATION CANADIENNE DES PAIEMENTS

STANDARD 015
COMPANION DOCUMENT TO THE ANSI X9.100-187-2008,
“Specifications for Electronic Exchange of Check and Image Data -
Domestic”
PART A – FORWARD PRESENTMENT
PART B – RETURNS
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

© 2020 CANADIAN PAYMENTS ASSOCIATION

2020 ASSOCIATION CANADIENNE DES PAIEMENTS

This Standard is copyrighted by the Canadian Payments Association. All rights reserved, including the right of reproduction in whole or in part,
without express written permission by the Canadian Payments Association.

By Publication of this standard, no position is taken with respect to the intellectual property rights of any person or entity. The CPA does not
assume any liability to any person or entity for compliance with this standard, including liability (which is denied) if compliance with the standard
infringes or is alleged to infringe the intellectual property rights of any person or entity.
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”

Implementation and Revisions

Implemented

August 12, 2013

Amendments

1. Amendments to Record Type 10 and Record Type 20 to allow cash letters from multiple regions
to be included in one ICP file, and amendments to correct typos. Approved by the Board
February 13, 2014, effective April 7, 2014.

2. Amendments to ICP File Naming Convention to allow files transmitted from server or mainframe
platforms. Approved by the Board December 3, 2015, effective February 2, 2016.

3. Amendments to provide additional information around the file reject reason ‘invalid date’.
Approved by the Board April 7, 2016, effective June 6, 2016.

4. Amendments to provide clarification on the ECE institution. Approved by the Board June 18,
2020, effective, August 17, 2020.
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”

Table of Contents

Overview and Background ............................................................................................................................ 1

1 Purpose and Scope ............................................................................................................................ 1
2 Permission for Reproduction .............................................................................................................. 1
2.1 Accredited Standards Committee (ASC) X9, Inc. .............................................................................. 1
2.2 Symcor Inc. ........................................................................................................................................ 2
3 References ......................................................................................................................................... 2
4 Considerations for the use of this Companion Document ................................................................. 2
4.1 General Design of this Document ...................................................................................................... 2
4.2 Technical Layout and Content ........................................................................................................... 2
4.2.1 Section Component – Narrative for Companion Document .................................................. 2
4.2.2 Section Component – Record Field Summary Table ............................................................ 3
4.2.3 Section Component – Field Specifications ........................................................................... 3
4.3 Record Field Data Types ................................................................................................................... 3
4.3.1 Data Type – Mandatory ......................................................................................................... 3
4.3.2 Data Type – Alternate ........................................................................................................... 3
4.3.3 Data Type – Restricted ......................................................................................................... 4
4.3.4 Data Type – Selected ............................................................................................................ 4
4.3.5 Data Type – Required ........................................................................................................... 4
4.3.6 Data Type – Expected ........................................................................................................... 5
4.3.7 Data Type – Intermediate ...................................................................................................... 5
5 PART A – FORWARD PRESENTMENT ........................................................................................... 5
6 PART B – RETURNS ....................................................................................................................... 77
7 PART C – PROCEDURES SPECIFIC TO ICP IN CANADA ......................................................... 154
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”

Overview and Background

1 Purpose and Scope

This document is intended to be an industry-specific companion document for the creation of image files
for exchange between CPA member Financial Institutions in Canada. This document is a complement to
the US standard ANSI X9.100-187-2008 “Specifications for Electronic Exchange of Check and Image
Data – Domestic”.
This document is not intended to replace the ANSI X.100-187-2008 standard for image delivery in
Canada. Rather, it is intended to provide clarification and substitutive information for the effective
adoption of ANSI X9.100-187-2008, for image exchange in Canada.
This document strictly provides the details for the Image Captured Payment File as it is proposed for
Inter-Member exchange in Canada. As such, the document makes no other assumptions concerning the
business use of the Image Captured Payments File. For example, business decisions not within the
scope of this document include, but are not limited to:
 The decision to create and exchange an Image Captured Payment File, versus continuation of
traditional paper exchange via original paper Items, Clearing Replacement Documents (CRD), or
Return Replacement Documents (RRD).
 The choice of application software used to create the Image Captured Payments File.
 The choice of application software used ingest, parse, and process the Image Captured Payment
File, including both exchange gateway ‘receive’ systems and systems to create paper CRDs from
electronic files.
 The use of an Image Captured Payment File for purposes other than Inter-Member exchange,
including regional capture, branch capture, corporate capture or other depository line-of-business
source capture.
 The use of the Image Captured Payment File for image delivery between the U.S. and Canada.

2 Permission for Reproduction

2.1 Accredited Standards Committee (ASC) X9, Inc.

January 2, 2013 approved by C. Fuller, Executive Director, ASC X9, Inc.

The multiple tables labeled “ANSI X9.100-187-20xx Standard Record Fields Summary” that are used
throughout this document are reproduced with the permission of Accredited Standards Committee ASC
X9, Inc – Financial Industry Standards* from its standard ANS X9.100-187 “Specifications for Electronic
Exchange of Check and Image Data”. The dated version of the standard that applies to this document is
assumed. This document containing extracts from ASC X9 copyrighted materials is being made available
by the Canadian Payments Association (CPA) for general industry use with its Automated Clearing
Settlement System (ACSS) Rules and Standards, with the acknowledgement of ASC X9, Inc.

Copies of all ANSI X9 standards, technical reports or draft standards for trial use can be purchased from
X9 Online. Go to www.x9.org, click on X9 STANDARDS INFORMATION, then on Standards Store.

* Accredited by the American National Standards Institute.

Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”

2.2 Symcor Inc.

Copyrighted materials of Symcor Inc. in this document are made available with the permission of Symcor
under license for the use and distribution of this document. Refer to the Canadian Payments Association
for rights and limitations pertaining to this licensing arrangement.

3 References
The following list of publications is part of the complete set of materials that may be needed for effective
use of this document:

 ANSI X9.100-187-2008 “Specifications for Electronic Exchange of Check and Image Data –
Domestic” [Note: The ASC X9 standard referenced in this document represents the most recent
version of the standard at the time this document was originally published. It is the responsibility
of the user of this document to ensure that the most recently published version of the ASC X9
standard is used for reference purposes.]
 CPA Rule A10 “Image Rule”
 CPA Standard 006 “Specifications for MICR-Encoded Payment Items”
 CPA Standard 012 “Image Security Standard”
 CPA Standard 013 “Return Replacement Document Design Standard”
 CPA Standard 014 “Clearing Replacement Document Design Standard”

4 Considerations for the use of this Companion Document

4.1 General Design of this Document

Parts A and B of this document provide the technical specifications for the Image Captured Payment File
in Canada, based upon the technical specification for the image exchange file as detailed in the ANSI
X9.100-187-2008 standard.

Each section on each of the record types in the ANSI X9.100-187-2008 standard is specifically addressed
in this document. The sections within Parts A and B are numbered according to the convention and
numbering scheme used in the original ANSI X9.100-187-2008 standard. This facilitates easy reference
between this document and the corresponding section in the original ANSI X9.100-187-2008 standard.

For consistency with the ANSI X9.100-187-2008 standard, the language in the Parts A and B of this
document retains the U.S. spelling conventions, and will be available in English only.

4.2 Technical Layout and Content

Parts A and B of this document contain one section for each of the record types in the original ANSI
X9.100-187-2008 standard. If a specific record is not relevant for the file in Canada, then the respective
section is still included in this document, but is noted as not being applicable.

4.2.1 Section Component – Narrative for Companion Document

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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”

The narrative is the description of the specific record type as it appears in the ANSI X9.100-187-2008
standard, with the appropriate modifications and exclusions to tailor and restrict the content to the
requirement for Image Captured Payments in Canada.

4.2.2 Section Component – Record Field Summary Table

The summary table is a copy of the summary data table for the respective record fields from the parent
ANSI X9.100-187-2008 standard. It is reproduced in this document for expedient visual reference. Refer
to Accredited Standards Committee (ASC) X9, Inc. - Permission for Reproduction in section 2.0 of
this document.

4.2.3 Section Component – Field Specifications

In this section, each field within the respective record type is presented in detail. The field descriptors
provide the following information:

 Content that is specific to file delivery in Canada. This content takes precedence over the
specification in the ANSI X9.100-187-2008 Standard.
 Fields that have significance for general image exchange in the ANSI X9.100-187-2008 Standard,
but have no special overriding content considerations for use in Canada.
 Fields that have no special priority business value in either the US or Canada, and may optionally
be used or unused without core business impact.
 Fields that have business use that is specific to facilitate exchange, clearing, and settlement via
the Automated Clearing and Settlement System (ACSS) for which additional information is
provided in CPA Rule A10, “Image Rule”.

4.3 Record Field Data Types

Each field within each record has an associated data type. The data type provides basic information as to
how that field is used and populated in the parent ANSI X9.100-187-2008 standard, and by comparison
how that same field is used and populated according to this companion document, for use in Image
Captured Payment Exchange in Canada.

4.3.1 Data Type – Mandatory

In the ANSI X9.100-187-2008 specification:
 The record field is Mandatory;
 The record field has a singular fixed value.

In the Companion Document specification:

 The record field is Mandatory;
 The record field contains the ANSI X9.100-187-2008 fixed value.

4.3.2 Data Type – Alternate

In the ANSI X9.100-187-2008 specification:
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”

 The record field is Mandatory;

 The record field has a singular fixed value.

In the Companion Document specification:

 The record field is Mandatory;
 The record field contains a value other than the ANSI X9.100-187-2008 fixed value, as indicated.

4.3.3 Data Type – Restricted

In the ANSI X9.100-187-2008 specification:
 The record field is Mandatory or Conditional;
 When present (Mandatory) or if present (Conditional):
o The record field is set to a predetermined singular one of a defined set of possible values.

In the Companion Document specification:

 The record field is Mandatory or Conditional;
 When present (Mandatory) or if present (Conditional):
o The record field is set to the predetermined singular one of a defined set of ANSI X9.100-
187-2008 possible values, as indicated.

4.3.4 Data Type – Selected

In the ANSI X9.100-187-2008 specification:
 The record field is Mandatory or Conditional;
 When present (Mandatory) or if present (Conditional):
o The record field is set to any one of the defined set of all possible values;
o The record field is set to any one of a restricted subset of the defined set of all possible
values;
o The record field is set to a value within a predefined continuous range of values.

In the Companion Document specification:

 The record field is Mandatory or Conditional;
 When present (Mandatory) or if present (Conditional):
o The record field is set to any one of the defined set of all possible ANSI X9.100-187-2008
values;
o The record field is set to any one of a restricted subset of the defined set of all possible
X9.100-187 values;
o The record field is set to a value within a predefined continuous range of ANSI X9.100-187-
2008 values

4.3.5 Data Type – Required

In the ANSI X9.100-187-2008 specification:
 The record field is Mandatory or Conditional;
 When present (Mandatory) or if present (Conditional):
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”

o The record field has a creator-defined value that is recognized and acceptable within the
business context of the ANSI X9.100-187-2008 specification.
In the Companion Document specification:
 The record field is Mandatory or Conditional;
 When present (Mandatory) or if present (Conditional):
o The record field has a creator-defined value, including blanks, that is recognized and
acceptable within the business context of the Companion Document specification.
o The record field has a creator-defined value, including blanks, that has business context
significance to the creator of the record, or to the consumer of the record, or to both.

4.3.6 Data Type – Expected

In the ANSI X9.100-187-2008 specification:
 The record field is Mandatory or Conditional;
 If present (Conditional):
o The record field is used under limited conditions;
 When present (Mandatory) or if present (Conditional):
o The record field is most often set to a predictable value;
o The record field value cannot be guaranteed.
In the Companion Document specification:
 The record field is Mandatory or Conditional;
 If present (Conditional):
o The record field has limited or no business use;
 When present (Mandatory) or if present (Conditional):
o The record field is most likely set to the value (or choice of values) for that field, as indicated;
o The record field value cannot be guaranteed.

4.3.7 Data Type – Intermediate

In the ANSI X9.100-187-2008 specification:
 The record field is Conditional;
 The record field is expected to be used;
 If present (Conditional):
o The record field is set to an unpredictable value.

In the Companion Document specification:

 The record field is Conditional;
 The record field is expected to be used;
 If present (Conditional):
o The content of the record field may or may not have applicable business use;
o The record field is most likely set to an unpredictable value.

5 PART A – FORWARD PRESENTMENT

ANSI X9.100-187-2008 Specifications for the Companion Document

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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

Table of Contents – Part A

X9 Section > 7 File Header Record (Type 01) ........................................................................................... 10

X9 Section > 7.1 Record Type ................................................................................................................... 11
X9 Section > 7.2 Standard Level ............................................................................................................... 12
X9 Section > 7.3 Test File Indicator ........................................................................................................... 12
X9 Section > 7.4 Immediate Destination Routing Number ........................................................................ 13
X9 Section > 7.5 Immediate Origin Routing Number ................................................................................. 15
X9 Section > 7.6 File Creation Date........................................................................................................... 17
X9 Section > 7.7 File Creation Time .......................................................................................................... 17
X9 Section > 7.8 Resend Indicator ............................................................................................................ 17
X9 Section > 7.9 Immediate Destination Name ......................................................................................... 17
X9 Section > 7.10 Immediate Origin Name ............................................................................................... 18
X9 Section > 7.11 File ID Modifier ............................................................................................................. 18
X9 Section > 7.12 Country Code ............................................................................................................... 18
X9 Section > 7.13 User Field ..................................................................................................................... 18
X9 Section > 7.14 Companion Document Indicator ................................................................................... 18
X9 Section > 8 Cash Letter Header Record (Type 10) .............................................................................. 19
X9 Section > 8.1 Record Type ................................................................................................................... 19
X9 Section > 8.2 Collection Type Indicator ................................................................................................ 20
X9 Section > 8.3 Destination Routing Number .......................................................................................... 20
X9 Section > 8.4 ECE Institution Routing Number .................................................................................... 20
X9 Section > 8.5 Cash Letter Business Date ............................................................................................. 20
X9 Section > 8.6 Cash Letter Creation Date .............................................................................................. 21
X9 Section > 8.7 Cash Letter Creation Time ............................................................................................. 21
X9 Section > 8.8 Cash Letter Record Type Indicator ................................................................................ 22
X9 Section > 8.9 Cash Letter Documentation Type Indicator .................................................................... 22
X9 Section > 8.10 Cash Letter ID .............................................................................................................. 22
X9 Section > 8.11 Originator Contact Name .............................................................................................. 23
X9 Section > 8.12 Originator Contact Phone Number ............................................................................... 23
X9 Section > 8.13 Fed Work Type ............................................................................................................. 23
X9 Section > 8.14 Returns Indicator .......................................................................................................... 23
X9 Section > 8.15 User Field ..................................................................................................................... 23
X9 Section > 8.16 Reserved ...................................................................................................................... 23
X9 Section > 9 Bundle Header Record (Type 20) ..................................................................................... 24
X9 Section > 9.1 Record Type ................................................................................................................... 24
X9 Section > 9.2 Collection Type Indicator ................................................................................................ 25
X9 Section > 9.3 Destination Routing Number .......................................................................................... 25
X9 Section > 9.4 ECE Institution Routing Number .................................................................................... 25
X9 Section > 9.5 Bundle Business Date .................................................................................................... 25
X9 Section > 9.6 Bundle Creation Date ..................................................................................................... 26
X9 Section > 9.7 Bundle ID ........................................................................................................................ 26
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Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Section > 9.8 Bundle Sequence Number ............................................................................................. 26

X9 Section > 9.9 Cycle Number ................................................................................................................. 26
X9 Section > 9.10 Reserved ...................................................................................................................... 27
X9 Section > 9.11 User Field ..................................................................................................................... 27
X9 Section > 9.12 Reserved ...................................................................................................................... 27
X9 Section > 10 Check Detail Record (Type 25) ....................................................................................... 28
X9 Section > 10.1 Record Type ................................................................................................................. 29
X9 Section > 10.2 Auxiliary On-Us............................................................................................................. 29
X9 Section > 10.3 External Processing Code ............................................................................................ 29
X9 Section > 10.4 Payor Bank Routing Number (combined with the following field) ................................ 30
X9 Section > 10.5 Payor Bank Routing Number Check Digit (combined with the previous field) ............. 30
X9 Section > 10.6 On-Us ........................................................................................................................... 31
X9 Section > 10.7 Item Amount ................................................................................................................. 31
X9 Section > 10.8 ECE Institution Item Sequence Number ...................................................................... 31
X9 Section > 10.9 Documentation Type Indicator ..................................................................................... 32
X9 Section > 10.10 Return Acceptance Indicator ...................................................................................... 32
X9 Section > 10.11 MICR Valid Indicator .................................................................................................. 32
X9 Section > 10.12 BOFD Indicator ........................................................................................................... 32
X9 Section > 10.13 Check Detail Record Addendum Count ..................................................................... 33
X9 Section > 10.14 Correction Indicator .................................................................................................... 33
X9 Section > 10.15 Archive Type Indicator ................................................................................................ 33
X9 Section > 11 Check Detail Addendum A Record (Type 26) ................................................................. 34
X9 Section > 11.1 Record Type ................................................................................................................. 35
X9 Section > 11.2 Check Detail Addendum A Record Count .................................................................... 35
X9 Section > 11.3 Return Location Routing Number ................................................................................. 36
X9 Section > 11.4 BOFD / Endorsement Date .......................................................................................... 36
X9 Section > 11.5 BOFD Item Sequence Number .................................................................................... 37
X9 Section > 11.6 Deposit Account Number at BOFD .............................................................................. 37
X9 Section > 11.7 BOFD Deposit Branch .................................................................................................. 37
X9 Section > 11.8 Payee Name ................................................................................................................. 38
X9 Section > 11.9 Truncation Indicator ...................................................................................................... 38
X9 Section > 11.10 BOFD Conversion Indicator ....................................................................................... 38
X9 Section > 11.11 BOFD Correction Indicator ......................................................................................... 39
X9 Section > 11.12 User Field ................................................................................................................... 39
X9 Section > 11.13 Reserved .................................................................................................................... 39
X9 Section > 12 Check Detail Addendum B Record (Type 27) ................................................................. 40
X9 Section > 12.1 Record Type ................................................................................................................. 41
X9 Section > 12.2 Variable Size Record Indicator ..................................................................................... 41
X9 Section > 12.4 Length of Image Archive Locator ................................................................................. 41
X9 Section > 12.5 Image Archive Locator ................................................................................................. 41
X9 Section > 13 Check Detail Addendum C Record (Type 28) ................................................................. 42
X9 Section > 13.1 Record Type ................................................................................................................. 43
X9 Section > 13.2 Check Detail Addendum C Record Number ................................................................ 43
X9 Section > 13.3 Endorsing Bank Routing Number ................................................................................. 44
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X9 Section > 13.4 BOFD / Endorsement Business Date ........................................................................... 45

X9 Section > 13.5 Endorsing Bank item Sequence Number ..................................................................... 45
X9 Section > 13.6 Truncation Indicator ...................................................................................................... 46
X9 Section > 13.7 Endorsing Bank Conversion Indicator .......................................................................... 46
X9 Section > 13.8 Endorsing Bank Correction Indicator............................................................................ 47
X9 Section > 13.9 Return Reason ............................................................................................................. 47
X9 Section > 13.10 User Field ................................................................................................................... 47
X9 Section > 13.11 Endorsing Bank Identifier ........................................................................................... 47
X9 Section > 13.12 Reserved .................................................................................................................... 48
X9 Section > 14 Return Record (Type 31) ................................................................................................. 49
X9 Section > 15 Return Addendum A Record (Type 32) ........................................................................... 49
X9 Section > 16 Return Addendum B record (Type 33) ............................................................................ 49
X9 Section > 17 Return Addendum C Record (Type 34)........................................................................... 49
X9 Section > 18 Return Addendum D Record (Type 35)........................................................................... 49
X9 Section > 19 Account Totals Detail Record (Type 40) ......................................................................... 49
X9 Section > 20 Non-Hit Totals Detail Record (Type 41) .......................................................................... 49
X9 Section > 21 Image View Detail Record (Type 50) .............................................................................. 50
X9 Section > 21.1 Record Type ................................................................................................................. 51
X9 Section > 21.2 Image Indicator ............................................................................................................. 52
X9 Section > 21.3 Image Creator Routing Number ................................................................................... 52
X9 Section > 21.4 Image Creator Date ...................................................................................................... 53
X9 Section > 21.5 Image View Format Indicator ....................................................................................... 53
X9 Section > 21.6 Image View Compression Algorithm Identifier ............................................................. 53
X9 Section > 21.7 Image View Data Size .................................................................................................. 53
X9 Section > 21.8 View Side Indicator ....................................................................................................... 54
X9 Section > 21.9 View Descriptor ............................................................................................................ 54
X9 Section > 21.10 Digital Signature Indicator .......................................................................................... 54
X9 Section > 21.11 Digital Signature Method ............................................................................................ 54
X9 Section > 21.12 Security Key Size ....................................................................................................... 54
X9 Section > 21.13 Start of Protected Data ............................................................................................... 54
X9 Section > 21.14 Length of Protected Data ........................................................................................... 55
X9 Section > 21.15 Image Recreate Indicator ........................................................................................... 55
X9 Section > 21.16 User Field ................................................................................................................... 55
X9 Section > 21.17 Image TIFF Variance Indicator ................................................................................... 55
X9 Section > 21.18 Override Indicator ....................................................................................................... 55
X9 Section > 21.19 Reserved .................................................................................................................... 56
X9 Section > 22 Image View Data Record (Type 52) ................................................................................ 56
X9 Section > 22.1 Record Type ................................................................................................................. 58
X9 Section > 22.2 ECE Institution Routing Number .................................................................................. 58
X9 Section > 22.3 Bundle Business Date .................................................................................................. 58
X9 Section > 22.4 Cycle Number ............................................................................................................... 59
X9 Section > 22.5 ECE Institution Item Sequence Number ...................................................................... 59
X9 Section > 22.6 Security Originator Name ............................................................................................. 59
X9 Section > 22.7 Security Authenticator Name........................................................................................ 59
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X9 Section > 22.8 Security Key Name ....................................................................................................... 59

X9 Section > 22.9 Clipping Origin .............................................................................................................. 60
X9 Section > 22.10 Clipping Coordinate h1 ............................................................................................... 60
X9 Section > 22.11 Clipping Coordinate h2 ............................................................................................... 60
X9 Section > 22.12 Clipping Coordinate v1 ............................................................................................... 60
X9 Section > 22.13 Clipping Coordinates v2 ............................................................................................. 60
X9 Section > 22.14 Length of Image Reference Key................................................................................. 60
X9 Section > 22.15 Image Reference Key ................................................................................................. 61
X9 Section > 22.16 Length of Digital Signature ......................................................................................... 61
X9 Section > 22.17 Digital Signature ......................................................................................................... 61
X9 Section > 22.18 Length of Image Data ................................................................................................. 61
X9 Section > 22.19 Image Data ................................................................................................................. 61
X9 Section > 23 Image View Analysis Record (Type 54) .......................................................................... 62
X9 Section > 24 Bundle Control Record (Type 70) .................................................................................... 63
X9 Section > 24.1 Record Type ................................................................................................................. 63
X9 Section > 24.2 Items Within Bundle Count ........................................................................................... 64
X9 Section > 24.3 Bundle Total Amount .................................................................................................... 64
X9 Section > 24.4 MICR Valid Total Amount ............................................................................................. 64
X9 Section > 24.5 Images Within Bundle Count ........................................................................................ 65
X9 Section > 24.6 User Field ..................................................................................................................... 65
X9 Section > 24.7 Reserved ...................................................................................................................... 65
X9 Section > 25 Box Summary Record (Type 75) ..................................................................................... 66
X9 Section > 26 Routing Number Summary Record (Type 85) ................................................................. 66
X9 Section > 27 Cash Letter Control Record (Type 90) ............................................................................ 67
X9 Section > 27.1 Record Type ................................................................................................................. 67
X9 Section > 27.2 Bundle Count ................................................................................................................ 67
X9 Section > 27.3 Items Within Cash Letter Count ................................................................................... 68
X9 Section > 27.4 Cash Letter Total Amount ............................................................................................ 68
X9 Section > 27.5 Images Within Cash Letter Count ................................................................................ 68
X9 Section > 27.6 ECE Institution Name ................................................................................................... 69
X9 Section > 27.7 Settlement Date ............................................................................................................ 69
X9 Section > 27.8 Reserved ...................................................................................................................... 69
X9 Section > 28 File Control Record (Type 99) ......................................................................................... 70
X9 Section > 28.1 Record Type ................................................................................................................. 70
X9 Section > 28.2 Cash Letter Count ........................................................................................................ 70
X9 Section > 28.3 Total Record Count ...................................................................................................... 71
X9 Section > 28.4 Total Item Count ........................................................................................................... 72
X9 Section > 28.5 File Total Amount ......................................................................................................... 72
X9 Section > 28.6 Immediate Origin Contact Name .................................................................................. 72
X9 Section > 28.7 Immediate Origin Contact Phone Number ................................................................... 72
X9 Section > 28.8 Reserved ...................................................................................................................... 72
X9 Annex A > Standard On-Us Field Format ......................................................................................... 73
A.1 Standard On-Us Field Format .......................................................................................................... 73
X9 Annex B > Return Reason Codes ..................................................................................................... 73
Standard 015
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X9 Annex C > Relationship of Cash Letter Record Type Indicator and Cash Letter Documentation Type
Indicator ......................................................................................................................................... 73
X9 Annex D > Image Record Definition for Image View Not Present .................................................... 73
X9 Annex E > Variable Length Record File ............................................................................................ 73
X9 Annex F > Image Record Definitions ................................................................................................ 73
X9 Annex G > Check Digit Calculation ................................................................................................... 74
X9 Annex H > Examples of Electronic Exchange File Structures .......................................................... 74
X9 Annex I > Image Keys ..................................................................................................................... 75
X9 Annex J > Endorsements ................................................................................................................. 75
X9 Annex K > Differences Between DSTU X9.37 and This Standard ................................................... 76

X9 Section > 7 File Header Record (Type 01)

Standard 015
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Exchange of Check and Image Data”
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Narrative for Companion Document

The File Header Record is Mandatory and contains fourteen fields. It is the first record of the file. A
corresponding File Control Record (Type 99) shall be associated with this record. The data in the fields is
created by, or on behalf of, the Direct Clearer that is delivering the file, which is the immediate origin
institution.
ANSI X9.100-187-2008 Standard Record Fields Summary
FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Standard Level M 03 – 04 2 N
3 Test File Indicator M 05 – 05 1 A
4 Immediate Destination Routing Number M 06 – 14 9 N
5 Immediate Origin Routing Number M 15 – 23 9 N
6 File Creation Date M 24 – 31 8 N
7 File Creation Time M 32 – 35 4 N
8 Resend Indicator M 36 – 36 1 A
9 Immediate Destination Name C 37 – 54 18 ANS
10 Immediate Origin Name C 55 – 72 18 ANS
11 File ID Modifier C 73 – 73 1 AN
12 Country Code C 74 – 75 2 A
13 User Field C 76 – 79 4 ANS
14 Companion Document Indicator C 80 – 80 1 AN

Field Specifications for Companion Document

X9 Section > 7.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘01’
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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X9 Section > 7.2 Standard Level

Companion Usage: Mandatory

Companion Data Type: 1) Mandatory
2) Alternate
Companion Values: 1) ‘30’ current X9.100-187-2008 value
2) ‘03’ previous DSTU X9.37-2003 value
Value ‘03’ ensures compatibility of this file for file creating and
receiving systems that function according to the predecessor
DSTU X9.37-2003 file format specification.
The alternate setting of this value does not imply any functional
difference in the use of the ANSI X9.100-187-2008 standard, upon
which this document is based.

X9 Section > 7.3 Test File Indicator

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: A test file may optionally be sent by clearing arrangement.
Values:
1) ‘P’ (The file is for exchange and settlement of clearing items)
2) ‘T’ (The file is for testing purposes, by clearing arrangement)
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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X9 Section > 7.4 Immediate Destination Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the currency, payment type, clearing region, processing site
and the Financial Institution number of the Direct Clearer at which the file is
received.
The format is ‘CP00RSNNN’
Refer to Table 1 for a description of the subfield structure.
Refer to CPA Rules and Standards for allowable values for the Region,
Processing Site and FI Number subfields.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

Sub-Field Name Value Meaning Comment

The Cash Letter Header Record is Mandatory and contains sixteen fields. It always follows a File Header
Record (Type 01) unless a file contains multiple cash letters, in which case the Cash Letter Header
Record shall follow a Cash Letter Control Record (Type 90). A corresponding Cash Letter Control
Record (Type 90) shall be associated to this record. The data in the fields is created by, or on behalf of,
the Direct Clearer delivering the file, which is the ECE institution. The ECE institution is assumed to be or
to represent the Bank of First Deposit.

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Collection Type Indicator M 03 – 04 2 N
3 Destination Routing Number M 05 – 13 9 N
4 ECE Institution Routing Number M 14 – 22 9 N
5 Cash Letter Business Date M 23 – 30 8 N
6 Cash Letter Creation Date M 31 – 38 8 N
7 Cash Letter Creation Time M 39 – 42 4 N
8 Cash Letter Record Type Indicator M 43 – 43 1 A
9 Cash Letter Documentation Type Indicator C 44 – 44 1 AN
10 Cash Letter ID M 45 – 52 8 AN
11 Originator Contact Name C 53 – 66 14 ANS
12 Originator Contact Phone Number C 67 – 76 10 N
13 Fed Work Type C 77 – 77 1 AN
14 Returns Indicator C 78 – 78 1 A
15 User Field C 79 – 79 1 ANS
16 Reserved M 80 – 80 1 B

Field Specifications for Companion Document

X9 Section > 8.1 Record Type

Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘10’

X9 Section > 8.2 Collection Type Indicator

Companion Usage: Mandatory

Companion Data Type: Restricted
Companion Value: ‘01’
This value indicates that the file contains forward presented items (cheques
and other payment instruments).

X9 Section > 8.3 Destination Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the currency, payment type, clearing region, processing site
and Financial Institution number of the receiving Direct Clearer.
The format is ‘CP00RSNNN’
Refer to Part A, section 7.4, table 1 for a description of the subfield structure.
Refer to CPA Rules and Standards for allowable values for the Region,
Processing Site and FI Number subfields.

X9 Section > 8.4 ECE Institution Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the currency, payment type, clearing region, processing site
and Financial Institution number of the delivering Direct Clearer.
The format is ‘CP00RSNNN’
Refer to Part A, section 7.5, table 2 for a description of the subfield structure.
Refer to CPA Rules and Standards for allowable values for the Region,
Processing Site and FI Number subfields.

X9 Section > 8.5 Cash Letter Business Date

Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the business date within which the Cash Letter is being
created by the delivering Direct Clearer, or on its behalf.
All Cash Letters in the file shall contain the same Cash Letter Business Date
value, as all items in the file are intended to be settled on a common
business date. The common Cash Letter Business Date is therefore the date
that can be used to determine the singular settlement date for all items
contained in the file.
The business date is logical. It may begin and/or end on other than a 00:00
hour boundary, it may cross over the 00:00 hour point, and it may span
beyond 24 hours.
The format shall be identical to:
File Header Record (Type 01)
Field 06 – File Creation Date
X9 Section > 8.6 Cash Letter Creation Date

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the calendar date on which the Cash Letter is created for
inclusion in the file, using the Eastern Time Zone value and according to
Standard time or Daylight Savings time.
The format shall be identical to:
File Header Record (Type 01)
Field 06 – File Creation Date

X9 Section > 8.7 Cash Letter Creation Time

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the 24-hour time when the Cash Letter is created for
inclusion in the file, using the Eastern Time Zone and according to Standard
time or Daylight Savings time.
Standard 015
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Exchange of Check and Image Data”
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X9 Section > 8.8 Cash Letter Record Type Indicator

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: Images of the items may optionally be omitted by clearing arrangement.
Values:
1) ‘E’ (The items in the Cash Letter do not include the Image View records)
2) ‘I’ (The items in the Cash Letter include the Image View records)

X9 Section > 8.9 Cash Letter Documentation Type Indicator

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: Images included in the file:
Value:
‘G’ (Image View records with images are provided in the file)

Images omitted from the file:

X9 Section > 8.10 Cash Letter ID

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Section > 10 Check Detail Record (Type 25)

Narrative for Companion Document

The Check Detail Record is Mandatory and contains fifteen fields. It shall be present as the Collection
Type Indicator (Field 2) in the Bundle Header Record (Type 20) is equal to ‘01’. One Check Detail
Record shall be sent for each cheque or other designated payment item.

If Image View records are included in the file, the Check Detail Record shall always follow a Bundle
Header Record (Type 20) or an Image View Data Record (Type 52). If Image View records are omitted
from the file, the Check Detail Record shall always follow a Bundle Header Record (Type 20) or a
Mandatory Check Detail Addendum C Record (Type 28).

The data in Fields 2 through 6, and optionally field 7 for pre-encoded items, represent the various MICR
fields as extracted from the MICR line content of the cheque or other designated payment item. The order
of these fields is the order in which they normally physically appear on the cheque, as referenced in ANSI
X9.100-160-1 for MICR data placement. The data in the fields is created by, or on behalf of, the Direct
Clearer delivering the file, which is the ECE institution. The ECE institution is assumed to be or to
represent the Bank of First Deposit.

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Auxiliary On-Us C 03 – 17 15 NBSM
3 External Processing Code C 18 – 18 1 NS
4 Payor Bank Routing Number M 19 – 26 8 N
5 Payor Bank Routing Number Check Digit M 27 – 27 1 N
6 On-Us C 28 – 47 20 NBSM
OS
7 Item Amount M 48 – 57 10 N
8 ECE Institution Item Sequence Number M 58 – 72 15 NB
9 Documentation Type Indicator C 73 – 73 1 AN
10 Return Acceptance Indicator C 74 – 74 1 AN
11 MICR Valid Indicator C 75 – 75 1 N
12 BOFD Indicator M 76 – 76 1 A
13 Check Detail Record Addendum Count M 77 – 78 2 N
14 Correction Indicator C 79 – 79 1 N
15 Archive Type Indicator C 80 – 80 1 AN
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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Field Specifications for Companion Document

X9 Section > 10.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘25’

X9 Section > 10.2 Auxiliary On-Us

Companion Usage: Conditional

Companion Data Type: Required
Companion Value: The Auxiliary On-Us MICR field:
Is encoded and expected on most cheques and other designated
payment items;
May be missing from the original item.
The Auxiliary On-Us Field:
May have numeric content that does not match exactly to the original
On-Us MICR Field;
May contain MICR read error indicator characters.

X9 Section > 10.3 External Processing Code

Companion Usage: Conditional

Companion Data Type: Required
Companion Value: The EPC MICR field is:
Not present on original cheques in Canada for either Canadian or
US currency items cleared within Canada;
Present on Clearing Replacement Documents (CRD) in Canada for
either Canadian or US currency items cleared within Canada.
Standard 015
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Exchange of Check and Image Data”
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X9 Section > 10.4 Payor Bank Routing Number (combined with the following field)
X9 Section > 10.5 Payor Bank Routing Number Check Digit (combined with the
previous field)

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: Field 04 combined with Field 05 comprises 9 consecutive characters.
In order to accommodate a ‘dash’ character separator, Field 04 type shall be
defined as:
ANSI X9.100-187-2008
Section 5.2.4 Numericblank/special MICR (NBSM).
Refer to Table 3 for format and content of the combined field values.

Format Format Currency Structured Content Usage

Only one Check Detail Addendum A Record is permitted. It is used to identify the return location for the
cheque or payment item. The Check Detail Addendum A record may be present at the discretion of the
delivering Direct Clearer, or the Bank of First Deposit.

The Check Detail Addendum A Record follows its immediately preceding Check Detail Record (Type 25).
The data in the Check Detail Addendum A Record is transferred to the Return Addendum A Record (Type
32) when the item is returned by image. This record may be used to indicate the BOFD, or it may indicate
a third party Return Processing Financial Institution designated to process the Customer Return, if the
item associated with the preceding Check Detail Record (Type 25) is returned.

When the Return Processing Financial Institution indicated in the Check Detail Addendum A Record is
different from the BOFD, the BOFD information shall not be included in the Check Detail Addendum A
Record. In this case, the BOFD information, if known, shall be included in a Check Detail Addendum C
Record (Type 28), and is so indicated by setting the appropriate value in the Endorsing Bank Identifier -
Field 11 of that Check Detail Addendum C Record (Type 28).

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Check Detail Addendum A Record Number M 03 – 03 1 N
3 Return Location Routing Number M 04 – 12 9 N
4 BOFD / Endorsement Date M 13 – 20 8 N
5 BOFD Item Sequence Number M 21 – 35 15 NB
6 Deposit Account Number at BOFD C 36 – 53 18 ANS
7 BOFD Deposit Branch C 54 – 58 5 ANS
8 Payee Name C 59 – 73 15 ANS
9 Truncation Indicator M 74 – 74 1 A
10 BOFD Conversion Indicator C 75 – 75 1 AN
11 BOFD Correction Indicator C 76 – 76 1 N
12 User Field C 77 – 77 1 ANS
13 Reserved M 78 – 80 3 B
Standard 015
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Field Specifications for Companion Document

X9 Section > 11.9 Truncation Indicator

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: The condition for the use of this field is according to:
ANSI X9.100-187-2008
Check Detail Addendum A Record (Type 26)
Field 09 – Truncation Indicator
Values:
‘Y’
This value indicates that the Financial Institution in Field 03 is
identified as the Truncator of the original item, and the creator of this
record. The Financial Institution Truncator may or may not be the
Direct Clearer that delivers the file.
‘N’
This value indicates that the Financial Institution in Field 03 is not
identified as the Truncator of the original item. The Financial
Institution identified in Field 03 may be any one of:
1) The Direct Clearer that is the BOFD and delivers the file;
2) Another FI that is the BOFD for the original item;
3) Another third party FI to which the item may be returned.

One, and only one, truncator flag shall always be set to ‘Y’ per item. This is
inclusive of the Check Detail Addendum A Record (Type 26) and all Check
Detail Addendum C Records (Type 28).

X9 Section > 11.10 BOFD Conversion Indicator

Companion Usage: Conditional

Companion Data Type: Selected
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

Companion Value: Values:

1) Blank (unused);
2) ‘0’ (did not convert physical document);
3) ‘2’ (original paper converted to image);
4) ‘8’ (undetermined).

X9 Section > 11.11 BOFD Correction Indicator

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Values:
1) Blank (unused);
2) ‘0’ (no repair);
3) ‘4’ (undetermined).
Other allowable values may also appear.

X9 Section > 11.12 User Field

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blank

X9 Section > 11.13 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blank
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Section > 12 Check Detail Addendum B Record (Type 27)

Narrative for Companion Document

The Check Detail Addendum C Record is Conditional. It is presented in an abbreviated format. The use of
this record is subject to special clearing arrangements between the delivering and the receiving Direct
Clearers.

The delivery of an Image Captured Payment file from one Direct Clearer to another can optionally be
completed without the transfer of the Image View records for the items, subject to a special clearing
arrangement.

Within the ANSI X9.100-187-2008 standard, the Check Detail Addendum B Record is intended to be a
mechanism to transfer an electronic image archive locator key for an item that is delivered without image
segments, for which the images can be separately extracted from the Archive store.

This Companion Document does not provide specifications or instructions as to how image access is
provided under such agreements. However, as the Check Detail Addendum B Record is within the base
ANSI X9.100-187-2008 standard, and is intended to assist in archival retrieval for non-image delivery, the
Check Detail Addendum B Record is presented as an optional facilitator for such special clearing
arrangements.

Data in each Check Detail Addendum B Record is transferred to a corresponding Return Addendum C
Record (Type 34) should the item be returned by image.
Standard 015
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Exchange of Check and Image Data”
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Abbreviated Field Specifications for Companion Document

X9 Section > 12.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘27’

X9 Section > 12.2 Variable Size Record Indicator

Companion Usage: Mandatory

Companion Data Type: Restricted
Companion Value: ‘1’

X9 Section > 12.3 Length of Image Archive Locator

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: The value shall be according to:
ANSI X9.100-187-2008
Check Detail Addendum B Record (Type 27)
Field 04 – Length of Image Archive Locator

X9 Section > 12.4 Image Archive Locator

Option 2: Field 2 = 1

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: The usage of this field shall be according to:
ANSI X9.100-187-2008
Check Detail Addendum B Record (Type 27)
Field 05 – Image Archive Locator
The format, content and use of the Image Archive Locator key are by
agreement between the delivering and receiving Direct Clearers.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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X9 Section > 13 Check Detail Addendum C Record (Type 28)

Narrative for Companion Document

The Check Detail Addendum C Record contains thirteen fields. It is one of three addendum type records
available that may be used with the Check Detail Record (Type 25).

One Check Detail Addendum C Record is Mandatory. The Mandatory Check Detail Addendum C Record
shall always be used with a Check Detail Record (Type 25), although others may also be present. The
Mandatory record is used to carry endorsement information identifying the delivering Direct Clearer as the
Financial Institution responsible for the delivery of the file to the exchange. The Mandatory Check Detail
Addendum C Record contains endorsement information that may not be present on the physical item.

If only one Check Detail Addendum C Record is present, then it shall be considered the Mandatory Check
Detail Addendum C Record. If more than one record is present, then the most recent record in
chronological order shall be considered the Mandatory Check Detail Addendum C Record.

The Check Detail Addendum C Record shall follow:

1) Another Check Detail Addendum C Record:
if there are multiple Check Detail Addendum C Records in the file;
2) The Check Detail Addendum B Record (Type 27):
if one is included in a non-image file to provide an archive locator key;
3) The Check Detail Addendum A Record (Type 26):
if the Check Detail Addendum C Record (Type 27) is omitted from the file;
4) The Check Detail Record (Type 25):
if all other Addendum records are omitted from the file.

Data in each Check Detail Addendum C Record is transferred to a corresponding Return Addendum D
Record (Type 35) should the item be returned by image.

The Direct Clearer identified in the Mandatory Check Detail Addendum C Record may or may not be the
BOFD. The BOFD may be another Financial Institution on whose behalf the Direct Clearer is providing
delivery to the exchange.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Check Detail Addendum C Record Number M 03 – 04 2 N
3 Endorsing Bank Routing Number M 05 – 13 9 N
4 BOFD / Endorsement Business Date M 14 – 21 8 N
5 Endorsing Bank Item Sequence Number M 22 – 36 15 NB
6 Truncation Indicator M 37 – 37 1 A
7 Endorsing Bank Conversion Indicator C 38 – 38 1 AN
8 Endorsing Bank Correction Indicator C 39 – 39 1 N
9 Return Reason C 40 – 40 1 AN
10 User Field C 41 – 59 19 ANS
11 Endorsing Bank Identifier C 60 – 60 1 AN
12 Reserved M 61 – 80 20 B

Field Specifications for Companion Document

X9 Section > 13.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘28’

X9 Section > 13.2 Check Detail Addendum C Record Number

Companion Usage: Mandatory

Companion Data Type: Expected
Companion Value: (variable, according to the actual count of Check Detail Addendum C
Records)
The sequence of Check Detail Addendum C Records is:
1) Conditional: Zero or more additional proprietary Check Detail Addendum
C Records;
2) Mandatory: Final Check Detail Addendum C Record, identifying the
Direct Clearer delivering the file.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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X9 Section > 13.3 Endorsing Bank Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: In order to accommodate a ‘dash’ character separator, Field 03 type shall be
defined as:
ANSI X9.100-187-2008
Section 5.2.4 Numericblank/special MICR (NBSM).

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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The following sections in the ANSI X9.100-187-2008 standard are not included in this Companion
Document. These sections provide the specifications for records that do not provide any business content
to ICP File delivery in Canada.

X9 Section > 14 Return Record (Type 31)

This record is not used for ICP File delivery in Canada.

The electronic delivery of returned image items is not addressed in this Companion Document.
The electronic return by image is addressed in a separate Companion Document.

X9 Section > 15 Return Addendum A Record (Type 32)

This record is not used for ICP File delivery in Canada.

X9 Section > 16 Return Addendum B record (Type 33)

This record is not used for ICP File delivery in Canada.

X9 Section > 17 Return Addendum C Record (Type 34)

This record is not used for ICP File delivery in Canada.

X9 Section > 18 Return Addendum D Record (Type 35)

This record is not used for ICP File delivery in Canada.

X9 Section > 19 Account Totals Detail Record (Type 40)

This record is not used for ICP File delivery in Canada.

X9 Section > 20 Non-Hit Totals Detail Record (Type 41)

This record is not used for ICP File delivery in Canada.
Standard 015
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Exchange of Check and Image Data”
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X9 Section > 21 Image View Detail Record (Type 50)

Narrative for Companion Document

The Image View Detail Record is Conditional and contains nineteen fields. If present, this record follows
its immediately preceding Mandatory Check Detail Addendum C Record (Type 28). The Image View
Detail Record may also follow an Image View Data Record (Type 52) because an item has multiple image
views. The Image View Detail Record shall be present if the Cash Letter Record Type Indicator - Field 08
in the Cash Letter Header Record (Type 10) has a defined value of ‘I’.

The Image View Detail Record and the Image View Data Record (Type 52) shall be used together to
convey an image view associated with the related Check Detail Record (Type 25). When an Image View
Detail Record (Type 50) is present, an Image View Data Record (Type 52) shall also be present.

Image segments related to the preceding Check Detail Record (Type 25) shall be ordered in the following
sequence:
1) front bitonal; 2) front greyscale (*optional); 3) back bitonal; 4) back greyscale. (*optional)
* Note: the exchange of greyscale images is optional as outlined in Operational Agreements between
Members.

Front and back image segments shall always be included on the file, unless omitted by a clearing
arrangement. Image segments shall either be included for all items in the file, or shall be omitted for all
items in the file. If image segments are omitted, then Image View Detail Records (Type 50) shall be
omitted from the file. If Image View Detail Records (Type 50) are omitted, then Cash Letter Record Type
Indicator - Field 08 in the Cash Letter Header Record (Type 10) shall have a defined value of ‘E’. Refer to
X9 Section > 12 Check Detail Addendum B Record (Type 27) for additional information on non-image
file transfer.

The image view is normally created by the Direct Clearer that is delivering the file. However, it may be
created by another Financial Institution, and it is then transferred to the Direct Clearer. The data fields
reflect the creator of the image view.
Standard 015
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ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Image Indicator M 03 – 03 1 N
3 Image Creator Routing Number M 04 – 12 9 N
4 Image Creator Date M 13 – 20 8 N
5 Image View Format Indicator C 21 – 22 2 N
6 Image View Compression Algorithm C 23 – 24 2 N
Identifier
7 Image View Data Size C 25 – 31 7 N
8 View Side Indicator M 32 – 32 1 N
9 View Descriptor M 33 – 34 2 N
10 Digital Signature Indicator C 35 – 35 1 N
11 Digital Signature Method C 36 – 37 2 N
12 Security Key Size C 38 – 42 5 N
13 Start of Protected Data C 43 – 49 7 N
14 Length of Protected Data C 50 – 56 7 N
15 Image Recreate Indicator C 57 – 57 1 N
16 User Field C 58 – 65 8 ANS
17 Image TIFF Variance Indicator M 66 – 66 1 AN
18 Override Indicator C 67 – 67 1 AN
19 Reserved M 68 – 80 13 B

Field Specifications for Companion Document

X9 Section > 21.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘50’
Standard 015
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Exchange of Check and Image Data”
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X9 Section > 21.2 Image Indicator

Companion Usage: Mandatory

Companion Data Type: Expected
Companion Value: ‘1’ The image is identified as the original cheque
Other possible values:
1) ‘2’ The image is identified as not the original cheque;
2) ‘3’ The image is not specifically identified using either value ‘1’ or ‘2’.
Value not permitted:
‘0’ The image is not present
Image View Data Record (Type 52) - Field 19 Image Data must
include a cheque image.

X9 Section > 21.3 Image Creator Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This value is assigned by the Financial Institution that created the image.

In order to accommodate a ‘dash’ character separator, Field 03 type shall be

X9 Section > 21.19 Reserved

Companion Usage: Mandatory
Companion Data Type: Mandatory
Companion Value: Blanks

X9 Section > 22 Image View Data Record (Type 52)

Narrative for Companion Document

The Image View Data Record is Conditional and contains nineteen fields. This record follows its
immediately preceding Image View Detail Record (Type 50). The Image View Data Record shall be
present when the Cash Letter Type Indicator - Field 08 in the Cash Letter Header Record (Type 10) has
Defined Value of ‘I’.

The Image View Data Record and the Image View Detail Record (Type 52) shall be used together to
convey an image view associated with the related Check Detail Record (Type 25). When an Image View
Detail Record (Type 50) is present, an Image View Data Record (Type 52) shall also be present.

The Image View Data Record contains sixteen fixed length fields, and three variable length fields which
are optionally used. Only one of the variable length fields, Image Data – Field 19, is actually used and
shall be Mandatory when the Image View Data Record is present. The content of the field is always
variable.

The image view on the file delivered to the exchange is normally created by the delivering Direct Clearer.
An Image View Data Record may be created by another Financial Institution that creates the image
segment, and that Image View Data Record is then transferred to the Direct Clearer for delivery.
However, the data fields in the Image View Data Record that is delivered by the Direct Clearer reflect the
Direct Clearer.

Refer to X9 Section > 21 Image View Detail Record (Type 50) for considerations on the optional
omission of image segments from the file, the inclusion of various image segments on the file, and the
creator of the image segments.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
Item Reference Key
2 ECE Institution Routing Number (Clause M 03 – 11 9 N
9.4)
3 Bundle Business Date (Clause 9.5) M 12 – 19 8 N
4 Cycle Number (Clause 9.9) C 20 – 21 2 AN
5 ECE Institution Item Sequence Number M 22 – 36 15 NB
(Clause 10.8)
Additional Security Information
6 Security Originator Name C 37 – 52 16 ANS
7 Security Authenticator Name C 53 – 68 16 ANS
8 Security Key Name C 69 – 84 16 ANS
Clipping Information
9 Clipping Origin M 85 – 85 1 NB
10 Clipping Coordinate h1 C 86 – 89 4 N
11 Clipping Coordinate h2 C 90 – 93 4 N
12 Clipping Coordinate v1 C 94 – 97 4 N
13 Clipping Coordinate v2 C 98 – 101 4 N
Image Reference Key
14 Length of Image Reference Key C 102 – 105 4 N
15 Image Reference Key C 106 – Varia ANS
(105+X) ble
(X)
Binary Data Information
16 Length of Digital Signature M (106+X) – 5 NB
(110+X)
17 Digital Signature C (111+X) – Varia Binary
(110+X+Y) ble
(Y)
18 Length of Image Data M (111+X+Y) 7 NB
–
(117+X+Y)
19 Image Data M (118+X+Y) Varia Binary
– ble
(117+X+Y+ (Z)
Z)
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

Field Specifications for Companion Document

X9 Section > 22.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘52’

X9 Section > 22.2 ECE Institution Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall be according to:
ANSI X9.100-187-2008
Image View Data Record (Type 52)
Field 02 – ECE Institution Routing Number

X9 Section > 22.3 Bundle Business Date

Companion Usage: Mandatory

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall represent the total dollar value of all payment items in the
immediate bundle, which is the total dollar value of all Check Detail Records
(Type 25) in the Bundle.
Canadian Currency items:
The Canadian dollar value.
US Currency items:
The US dollar value.

X9 Section > 24.4 MICR Valid Total Amount

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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X9 Section > 24.5 Images Within Bundle Count

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: Images omitted from the file:
Value: ‘00000’
If images are omitted from the file by arrangement, no Image View
Detail Records (Type 50) and no Image View Data Records (Type
52) shall be included in any bundle.

Images included in the file:

Value: Various
Each payment item in the bundle shall have at least two Image View
Record pairs (Type 50 and Type 52), representing a full front and
back image segment set.
There shall always be at least two such Image View Record pairs
within each bundle.
Payment items may have additional Image View Record pairs (Type
50 and Type 52), representing a secondary full front image segment
and/or back image segment set.

X9 Section > 24.6 User Field

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks

X9 Section > 24.7 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

The following sections in the ANSI X9.100-187-2008 standard are not included in this Companion
Document. The sections provide the specifications for records that do not provide any business content to
ICP File delivery in Canada.

X9 Section > 25 Box Summary Record (Type 75)

This record is not used for ICP File delivery in Canada.

X9 Section > 26 Routing Number Summary Record (Type 85)

This record is not used for ICP File delivery in Canada.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Section > 27 Cash Letter Control Record (Type 90)

Narrative for Companion Document

The Cash Letter Control Record is Mandatory and contains eight fields. There must be one Cash Letter
Control Record corresponding to each Cash Letter Header Record (Type 10). The Cash Letter Control
Record shall be the last record in the cash letter. It shall always follow a Bundle Control Record (Type
70). The data in the fields is created by, or on behalf of, the Direct Clearer delivering the file, which is the
ECE institution.

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Bundle Count M 03 – 08 6 N
3 Items Within Cash letter Count M 09 – 16 8 N
4 Cash Letter Total Amount M 17 – 30 14 N
5 Images Within Cash Letter Count M 31 – 39 9 N
6 ECE Institution Name C 40 – 57 18 ANS
7 Settlement Date C 58 – 65 8 N
8 Reserved M 66 – 80 15 B

Field Specifications for Companion Document

X9 Section > 27.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘90’

X9 Section > 27.2 Bundle Count

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: There shall always be at least one bundle within each cash letter.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Section > 27.3 Items Within Cash Letter Count

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall represent the total number of payment items in the
immediate cash letter, which is the total number of Check Detail Records
(Type 25) in the Cash Letter.
There shall always be at least one payment item within each cash letter.

X9 Section > 27.4 Cash Letter Total Amount

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall represent the total dollar value of all payment items in the
immediate cash letter, which is the total dollar value of all Check Detail
Records (Type 25) in the Cash Letter.
Canadian Currency items:
The Canadian dollar value.
US Currency items:
The US dollar value

X9 Section > 27.5 Images Within Cash Letter Count

Companion Usage: Mandatory
Companion Data Type: Required
Companion Value: Images omitted from the file:
Value: ‘000000000’
If images are omitted from the file by arrangement, no Image View
Detail Records (Type 50) and no Image View Data Records (Type
52) shall be included in any cash letter.

Images included in the file:

Value: Various
Each payment item in the cash letter shall have at least two Image
View Record pairs (Type 50 and Type 52), representing a full front
and back image segment set.
There shall always be at least two such Image View Record pairs
within each cash letter.
Payment items may have additional Image View Record pairs (Type
50 and Type 52), representing a secondary full front image segment
and/or back image segment set.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Section > 27.6 ECE Institution Name

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks

X9 Section > 27.7 Settlement Date

Companion Usage: Conditional

Companion Data Type: Expected

Companion Value: Blanks

If present, the format shall be identical to:
File Header Record (Type 01)
Field 06 – File Creation Date

X9 Section > 27.8 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Section > 28 File Control Record (Type 99)

Narrative for Companion Document

The File Control Record is Mandatory and contains eight fields. It is the final record of the file. It shall
always follow a Cash Letter Control Record (Type 90). The data in the fields is created by, or on behalf
of, the Direct Clearer that is delivering the file, which is the immediate origin institution.

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Cash Letter Count M 03 – 08 6 N
3 Total Record Count M 09 – 16 8 N
4 Total Item Count M 17 – 24 8 N
5 File Total Amount M 25 – 40 16 N
6 Immediate Origin Contact Name C 41 – 54 14 ANS
7 Immediate Origin Contact Phone Number C 55 – 64 10 N
8 Reserved M 65 – 80 16 B

Field Specifications for Companion Document

X9 Section > 28.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘99’

X9 Section > 28.2 Cash Letter Count

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: There shall always be at least one cash letter within the file.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Section > 28.3 Total Record Count

Companion Usage: Mandatory

X9 Annex A > Standard On-Us Field Format

ANSI X9.100-187-2008 information partially applies to ICP File delivery in Canada.

The specifications for the field apply only to Check Detail Record (Type 25) – Field 05 ‘On-Us’.

A.1 Standard On-Us Field Format

The exchange agreement allows for the optional presence or absence of dash characters in the On-
Us Field, which is at the discretion of the file creator.

X9 Annex B > Return Reason Codes

ANSI X9.100-187-2008 information does not apply to ICP File delivery in Canada.

X9 Annex C > Relationship of Cash Letter Record Type Indicator &

Documentation Type Indicator

ANSI X9.100-187-2008 information partially applies to ICP File delivery in Canada.

Cash Letter Header Record (Type 10) – Field 08 ‘Cash Letter Record Type Indicator’ is restricted
to values ‘E’ and ’I’;
Cash Letter Header Record (Type 10) – Field 09 ‘Cash Letter Documentation Type Indicator’ is
limited to values ‘C’, ‘D’, ‘G’, ‘K’ and ‘L’.

X9 Annex D > Image Record Definition for Image View Not Present

ANSI X9.100-187-2008 information does not apply to ICP File delivery in Canada.

X9 Annex E > Variable Length Record File

ANSI X9.100-187-2008 information applies to ICP File delivery in Canada.

X9 Annex F > Image Record Definitions

ANSI X9.100-187-2008 information does not apply to ICP File delivery in Canada.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Annex G > Check Digit Calculation

ANSI X9.100-187-2008 information partially applies to ICP File delivery in Canada.

The check digit is present in Check Detail Record (Type 25) – Field 05 ‘Payor Bank Routing
Number Check Digit’ only when:
Field 04 ‘ Payor Bank Routing Number’ together with Field 05 ‘Payor Bank Routing
Number Check Digit’ contains a combined 9-character data format ‘AAAABBBBC’,
indicating a US ABA MICR Routing Number for a US currency ABA item.

X9 Annex H > Examples of Electronic Exchange File Structures

ANSI X9.100-187-2008 information partially applies to ICP File delivery in Canada.

The minimal structure of the file, based on the record types that are detailed in this document, is as
follows.

Images omitted from the file:

FILE HEADER RECORD (Type 01)

Cash Letter Header Record (Type 10) (first cash letter of file)
Bundle Header Record (Type 20) (first bundle of cash letter)
Check Detail Record (Type 25) (first item of first bundle, no image records)
Check Detail Addendum C Record (Type 28) (single Mandatory
addendum record)
Check Detail Record (Type 25) (second item of first bundle, no image records)
||
Check Detail Record (Type 25) (last item of first bundle, no image records)
||
Bundle Control Record (Type 70) (end of first bundle of cash letter)
Bundle Header Record (Type 20) (second bundle of cash letter)
||
Bundle Control Record (Type 70) (end of second bundle of cash letter)
||
Bundle Header Record (Type 20) (last bundle of cash letter)
||
Bundle Control Record (Type 70) (end of last bundle of cash letter)
Cash Letter Control Record (Type 90) (end of first cash letter)
Cash Letter Header Record (Type 10) (second cash letter of file)
||
Cash Letter Control Record (Type 90) (end of second cash letter)
||
Cash Letter Header Record (Type 10) (last cash letter of file)
||
Cash Letter Control Record (Type 90) (end of last cash letter)
FILE CONTROL RECORD (Type 99)
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

Images included in the file:

FILE HEADER RECORD (Type 01)

Cash Letter Header Record (Type 10) (first cash letter of file)
Bundle Header Record (Type 20) (first bundle of cash letter)
Check Detail Record (Type 25) (first item of first bundle, with image records)
Check Detail Addendum C Record (Type 28) (single Mandatory
addendum record)
Image View Detail Record (Type 50) (first item, 1st segment - front view)
Image View Data Record (Type 52) (first item, 1st segment - front view)
Image View Detail Record (Type 50) (first item, 2nd segment - rear view)
Image View Data Record (Type 52) (first item, 2nd segment - rear view)
Check Detail Record (Type 25) (second item of first bundle, with image records)
||
Check Detail Record (Type 25) (last item of first bundle, with image records)
||
Bundle Control Record (Type 70) (end of first bundle of cash letter)
Bundle Header Record (Type 20) (second bundle of cash letter)
||
Bundle Control Record (Type 70) (end of second bundle of cash letter)
||
Bundle Header Record (Type 20) (last bundle of cash letter)
||
Bundle Control Record (Type 70) (end of last bundle of cash letter)
Cash Letter Control Record (Type 90) (end of first cash letter)
Cash Letter Header Record (Type 10) (second cash letter of file)
||
Cash Letter Control Record (Type 90) (end of second cash letter)
||
Cash Letter Header Record (Type 10) (last cash letter of file)
||
Cash Letter Control Record (Type 90) (end of last cash letter)
FILE CONTROL RECORD (Type 99)

X9 Annex I > Image Keys

ANSI X9.100-187-2008 information does not normally apply to ICP File delivery in Canada.
For non-image file delivery, the description of the Image Archive Locator may be of some limited value.

X9 Annex J > Endorsements

ANSI X9.100-187-2008 information does not apply to ICP File delivery in Canada.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART A – FORWARD PRESENTMENT

X9 Annex K > Differences Between DSTU X9.37 and This Standard

ANSI X9.100-187-2008 information partially applies to ICP File delivery in Canada.

This Companion Document provides detailed descriptions of the following record types:
File Header Record (Type 01)
Cash Letter Header Record (Type 10)
Bundle Header Record (Type 20)
Check Detail Record (Type 25)
Check Detail Addendum A Record (Type 26)
- Conditional record
Check Detail Addendum B Record (Type 27)
- Conditional record
- Possible restricted use for non-image files
Check Detail Addendum C Record (Type 28)
- Single Mandatory record
- Other Conditional record(s)
Image View Detail Record (Type 50)
- Mandatory record unless omitted by clearing arrangement
Image View Data Record (Type 52)
- Mandatory record unless omitted by clearing arrangement
Bundle Control Record (Type 70)
Cash Letter Control Record (Type 90)
File Control Record (Type 99)
Within each of the record types, only specific fields apply, and in some cases, only specific values
for certain record fields apply.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

6 PART B – RETURNS

ANSI X9.100-187-2008 Specifications for the Companion Document

Table of Contents – Part B

X9 Section > 7 File Header Record (Type 01) ........................................................................................... 82

X9 Section > 7.1 Record Type ................................................................................................................... 82
X9 Section > 7.2 Standard Level ............................................................................................................... 83
X9 Section > 7.3 Test File Indicator ........................................................................................................... 83
X9 Section > 7.4 Immediate Destination Routing Number ........................................................................ 83
X9 Section > 7.5 Immediate Origin Routing Number ................................................................................. 85
X9 Section > 7.6 File Creation Date ........................................................................................................... 87
X9 Section > 7.7 File Creation Time .......................................................................................................... 87
X9 Section > 7.8 Resend Indicator ............................................................................................................ 87
X9 Section > 7.9 Immediate Destination Name ......................................................................................... 87
X9 Section > 7.10 Immediate Origin Name ............................................................................................... 88
X9 Section > 7.11 File ID Modifier ............................................................................................................. 88
X9 Section > 7.12 Country Code ............................................................................................................... 88
X9 Section > 7.13 User Field ..................................................................................................................... 88
X9 Section > 7.14 Companion Document Indicator ................................................................................... 88
X9 Section > 8 Cash Letter Header Record (Type 10) .............................................................................. 89
X9 Section > 8.1 Record Type ................................................................................................................... 89
X9 Section > 8.2 Collection Type Indicator ................................................................................................ 90
X9 Section > 8.3 Destination Routing Number .......................................................................................... 90
X9 Section > 8.4 ECE Institution Routing Number .................................................................................... 90
X9 Section > 8.5 Cash Letter Business Date ............................................................................................. 91
X9 Section > 8.6 Cash Letter Creation Date .............................................................................................. 91
X9 Section > 8.7 Cash Letter Creation Time ............................................................................................. 91
X9 Section > 8.8 Cash Letter Record Type Indicator ................................................................................ 92
X9 Section > 8.9 Cash Letter Documentation Type Indicator .................................................................... 92
X9 Section > 8.10 Cash Letter ID .............................................................................................................. 93
X9 Section > 8.11 Originator Contact Name .............................................................................................. 93
X9 Section > 8.12 Originator Contact Phone Number ............................................................................... 93
X9 Section > 8.13 Fed Work Type ............................................................................................................. 93
X9 Section > 8.14 Returns Indicator .......................................................................................................... 94
X9 Section > 8.15 User Field ..................................................................................................................... 94
X9 Section > 8.16 Reserved ...................................................................................................................... 94
X9 Section > 9 Bundle Header Record (Type 20) ..................................................................................... 95
X9 Section > 9.1 Record Type ................................................................................................................... 95
X9 Section > 9.2 Collection Type Indicator ................................................................................................ 96
Standard 015
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X9 Section > 9.3 Destination Routing Number .......................................................................................... 96

X9 Section > 9.4 ECE Institution Routing Number .................................................................................... 96
X9 Section > 9.5 Bundle Business Date .................................................................................................... 96
X9 Section > 9.6 Bundle Creation Date ..................................................................................................... 97
X9 Section > 9.7 Bundle ID ........................................................................................................................ 97
X9 Section > 9.8 Bundle Sequence Number ............................................................................................. 97
X9 Section > 9.9 Cycle Number ................................................................................................................. 97
X9 Section > 9.10 Reserved ...................................................................................................................... 98
X9 Section > 9.11 User Field ..................................................................................................................... 98
X9 Section > 9.12 Reserved ...................................................................................................................... 98
X9 Section > 10 Check Detail Record (Type 25) ....................................................................................... 99
X9 Section > 11 Check Detail Addendum A Record (Type 26) ................................................................. 99
X9 Section > 12 Check Detail Addendum B Record (Type 27) ................................................................. 99
X9 Section > 13 Check Detail Addendum C Record (Type 28) ................................................................. 99
X9 Section > 14 Return Record (Type 31) ............................................................................................... 100
X9 Section > 14.1 Record Type ............................................................................................................... 100
X9 Section > 14.2 Payor Bank Routing Number (combined with the following field) .............................. 101
X9 Section > 14.3 Payor Bank Routing Number Check Digit (combined with the previous field) ........... 101
X9 Section > 14.4 On-Us ......................................................................................................................... 102
X9 Section > 14.5 Item Amount ............................................................................................................... 102
X9 Section > 14.6 Return Reason ........................................................................................................... 102
X9 Section > 14.7 Return Record Addendum Count ............................................................................... 103
X9 Section > 14.8 Return Documentation Type Indicator ....................................................................... 103
X9 Section > 14.9 Forward Bundle Date ................................................................................................. 104
X9 Section > 14.10 ECE Institution Item Sequence Number .................................................................. 104
X9 Section > 14.11 External Processing Code ........................................................................................ 104
X9 Section > 14.12 Return Notification Indicator ..................................................................................... 105
X9 Section > 14.13 Archive Type Indicator .............................................................................................. 105
X9 Section > 14.14 Number of Times Returned ...................................................................................... 105
X9 Section > 14.15 Reserved .................................................................................................................. 105
X9 Section > 15 Return Addendum A Record (Type 32) ......................................................................... 106
X9 Section > 15.1 Record Type ............................................................................................................... 107
X9 Section > 15.2 Return Addendum A Record Number ........................................................................ 107
X9 Section > 15.3 Return Location Routing Number ............................................................................... 108
X9 Section > 15.4 BOFD / Endorsement Business Date ........................................................................ 109
X9 Section > 15.5 BOFD Item Sequence Number .................................................................................. 109
X9 Section > 15.6 Deposit Account Number at BOFD ............................................................................ 109
X9 Section > 15.7 BOFD Deposit Branch ................................................................................................ 110
X9 Section > 15.8 Payee Name ............................................................................................................... 110
X9 Section > 15.9 Truncation Indicator .................................................................................................... 110
X9 Section > 15.10 BOFD Conversion Indicator ..................................................................................... 111
X9 Section > 15.11 BOFD Correction Indicator ....................................................................................... 111
X9 Section > 15.12 User Field ................................................................................................................. 111
Standard 015
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X9 Section > 15.13 Reserved .................................................................................................................. 111

X9 Section > 16 Return Addendum B Record (Type 33) ......................................................................... 112
X9 Section > 16.1 Record Type ............................................................................................................... 112
X9 Section > 16.2 Payee Name ............................................................................................................... 113
X9 Section > 16.3 Auxiliary On-Us........................................................................................................... 113
X9 Section > 16.4 Payor Bank Item Sequence Number .......................................................................... 113
X9 Section > 16.5 Payor Bank Business Date ......................................................................................... 114
X9 Section > 16.6 Payor Account Name ................................................................................................. 114
X9 Section > 17 Return Addendum C Record (Type 34)......................................................................... 115
X9 Section > 17.1 Record Type ............................................................................................................... 116
X9 Section > 17.2 Variable Size Record Indicator ................................................................................... 116
X9 Section > 17.4 Length of Image Archive Locator ............................................................................... 116
X9 Section > 17.5 Image Archive Locator ............................................................................................... 116
X9 Section > 18 Return Addendum D Record (Type 35)......................................................................... 117
X9 Section > 18.1 Record Type ............................................................................................................... 118
X9 Section > 18.2 Return Addendum D Record Number ........................................................................ 118
X9 Section > 18.3 Endorsing Bank Routing Number ............................................................................... 119
X9 Section > 18.4 BOFD / Endorsement Business Date ......................................................................... 119
X9 Section > 18.5 Endorsing Bank item Sequence Number ................................................................... 120
X9 Section > 18.6 Truncation Indicator .................................................................................................... 120
X9 Section > 18.7 Endorsing Bank Conversion Indicator ........................................................................ 121
X9 Section > 18.8 Endorsing Bank Correction Indicator.......................................................................... 121
X9 Section > 18.9 Return Reason ........................................................................................................... 121
X9 Section > 18.10 User Field ................................................................................................................. 122
X9 Section > 18.11 Endorsing Bank Identifier ......................................................................................... 122
X9 Section > 18.12 Reserved .................................................................................................................. 122
X9 Section > 19 Account Totals Detail Record (Type 40) ....................................................................... 123
X9 Section > 20 Non-Hit Totals Detail Record (Type 41) ........................................................................ 123
X9 Section > 21 Image View Detail Record (Type 50) ............................................................................ 124
X9 Section > 21.1 Record Type ............................................................................................................... 125
X9 Section > 21.2 Image Indicator ........................................................................................................... 126
X9 Section > 21.3 Image Creator Routing Number ................................................................................. 126
X9 Section > 21.4 Image Creator Date .................................................................................................... 127
X9 Section > 21.5 Image View Format Indicator ..................................................................................... 127
X9 Section > 21.6 Image View Compression Algorithm Identifier ........................................................... 127
X9 Section > 21.7 Image View Data Size ................................................................................................ 127
X9 Section > 21.8 View Side Indicator ..................................................................................................... 128
X9 Section > 21.9 View Descriptor .......................................................................................................... 128
X9 Section > 21.10 Digital Signature Indicator ........................................................................................ 128
X9 Section > 21.11 Digital Signature Method .......................................................................................... 128
X9 Section > 21.12 Security Key Size ..................................................................................................... 128
X9 Section > 21.13 Start of Protected Data ............................................................................................. 128
X9 Section > 21.14 Length of Protected Data ......................................................................................... 129
Standard 015
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X9 Section > 21.15 Image Recreate Indicator ......................................................................................... 129

X9 Section > 21.16 User Field ................................................................................................................. 129
X9 Section > 21.17 Image TIFF Variance Indicator ................................................................................. 129
X9 Section > 21.18 Override Indicator ..................................................................................................... 129
X9 Section > 21.19 Reserved .................................................................................................................. 129
X9 Section > 22 Image View Data Record (Type 52) .............................................................................. 130
X9 Section > 22.1 Record Type ............................................................................................................... 132
X9 Section > 22.2 ECE Institution Routing Number ................................................................................ 132
X9 Section > 22.3 Bundle Business Date ................................................................................................ 132
X9 Section > 22.4 Cycle Number ............................................................................................................. 133
X9 Section > 22.5 ECE Institution Item Sequence Number .................................................................... 133
X9 Section > 22.6 Security Originator Name ........................................................................................... 133
X9 Section > 22.7 Security Authenticator Name...................................................................................... 133
X9 Section > 22.8 Security Key Name ..................................................................................................... 133
X9 Section > 22.9 Clipping Origin ............................................................................................................ 134
X9 Section > 22.10 Clipping Coordinate h1 ............................................................................................. 134
X9 Section > 22.11 Clipping Coordinate h2 ............................................................................................. 134
X9 Section > 22.12 Clipping Coordinate v1 ............................................................................................. 134
X9 Section > 22.13 Clipping Coordinates v2 ........................................................................................... 134
X9 Section > 22.14 Length of Image Reference Key............................................................................... 134
X9 Section > 22.15 Image Reference Key ............................................................................................... 135
X9 Section > 22.16 Length of Digital Signature ....................................................................................... 135
X9 Section > 22.17 Digital Signature ....................................................................................................... 135
X9 Section > 22.18 Length of Image Data ............................................................................................... 135
X9 Section > 22.19 Image Data ............................................................................................................... 136
X9 Section > 23 Image View Analysis Record (Type 54) ........................................................................ 137
X9 Section > 24 Bundle Control Record (Type 70) .................................................................................. 138
X9 Section > 24.1 Record Type ............................................................................................................... 138
X9 Section > 24.2 Items Within Bundle Count ......................................................................................... 139
X9 Section > 24.3 Bundle Total Amount .................................................................................................. 139
X9 Section > 24.4 MICR Valid Total Amount ........................................................................................... 139
X9 Section > 24.5 Images Within Bundle Count ...................................................................................... 140
X9 Section > 24.6 User Field ................................................................................................................... 140
X9 Section > 24.7 Reserved .................................................................................................................... 140
X9 Section > 25 Box Summary Record (Type 75) ................................................................................... 141
X9 Section > 26 Routing Number Summary Record (Type 85) ............................................................... 141
X9 Section > 27 Cash Letter Control Record (Type 90) .......................................................................... 142
X9 Section > 27.1 Record Type ............................................................................................................... 142
X9 Section > 27.2 Bundle Count .............................................................................................................. 142
X9 Section > 27.3 Items Within Cash Letter Count ................................................................................. 143
X9 Section > 27.4 Cash Letter Total Amount .......................................................................................... 143
X9 Section > 27.5 Images Within Cash Letter Count .............................................................................. 143
X9 Section > 27.6 ECE Institution Name ................................................................................................. 144
Standard 015
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X9 Section > 27.7 Settlement Date .......................................................................................................... 144

X9 Section > 27.8 Reserved .................................................................................................................... 144
X9 Section > 28 File Control Record (Type 99) ....................................................................................... 145
X9 Section > 28.1 Record Type ............................................................................................................... 145
X9 Section > 28.2 Cash Letter Count ...................................................................................................... 145
X9 Section > 28.3 Total Record Count .................................................................................................... 146
X9 Section > 28.4 Total Item Count ......................................................................................................... 147
X9 Section > 28.5 File Total Amount ....................................................................................................... 147
X9 Section > 28.6 Immediate Origin Contact Name ................................................................................ 147
X9 Section > 28.7 Immediate Origin Contact Phone Number ................................................................. 147
X9 Section > 28.8 Reserved .................................................................................................................... 147
X9 Annex A > Standard On-Us Field Format ....................................................................................... 148
X9 Annex B > Return Reason Codes ................................................................................................... 149
B.1 General Comments ........................................................................................................................ 149
B.2 Customer / “Monetary” Returns...................................................................................................... 149
B.3 Administrative Returns ................................................................................................................... 149
X9 Annex C > Relationship of Cash Letter Record Type Indicator & Documentation Type Indicator . 150
X9 Annex D > Image Record Definition for Image View Not Present .................................................. 150
X9 Annex E > Variable Length Record File .......................................................................................... 150
X9 Annex F > Image Record Definitions .............................................................................................. 150
X9 Annex G > Check Digit Calculation ................................................................................................. 150
X9 Annex H > Examples of Electronic Exchange File Structures ........................................................ 151
X9 Annex I > Image Keys ................................................................................................................... 152
X9 Annex J > Endorsements ............................................................................................................... 152
X9 Annex K > Differences Between DSTU X9.37 and This Standard ................................................. 153
Standard 015
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Exchange of Check and Image Data”
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X9 Section > 7 File Header Record (Type 01)

Narrative for Companion Document

Field Specifications for Companion Document

X9 Section > 7.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘01’
Standard 015
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Exchange of Check and Image Data”
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X9 Section > 7.2 Standard Level

Companion Usage: Mandatory

Narrative for Companion Document

ANSI X9.100-187-2008 Standard Record Fields Summary

Field Specifications for Companion Document

X9 Section > 8.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘10’
Standard 015
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X9 Section > 8.2 Collection Type Indicator

Companion Usage: Mandatory

Companion Data Type: Restricted
Companion Value: ‘03’
This value indicates that the file contains returned items (from cheques and
other payment items).

X9 Section > 8.3 Destination Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the currency, payment type, clearing region, processing site
and the Financial Institution number of the Direct Clearer at which the file is
received.
The format is ‘CP00RSNNN’
Refer to Part B, Section 7.4, table 1 for a description of the subfield structure.
Refer to CPA Rules and Standards for allowable values for the Region,
Processing Site and FI Number subfields.

X9 Section > 8.4 ECE Institution Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the currency, payment type, clearing region, processing site
and the Financial Institution number of the Direct Clearer from which the file
is delivered.
The format is ‘CP00RSNNN’
Refer to Part B, section 7.5, Table 2 for a description of the subfield
structure.
Refer to CPA Rules and Standards for allowable values for the Region,
Processing Site and FI Number subfields.
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 8.5 Cash Letter Business Date

Companion Usage: Mandatory

X9 Section > 8.6 Cash Letter Creation Date

Companion Usage: Mandatory

X9 Section > 8.7 Cash Letter Creation Time

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This represents the 24-hour time when the Cash Letter is created for
inclusion in the file, using the Eastern Time Zone and according to Standard
time or Daylight Savings time.
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 8.8 Cash Letter Record Type Indicator

X9 Section > 8.13 Fed Work Type

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blank
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
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X9 Section > 8.14 Returns Indicator

Companion Usage: Mandatory

Companion Data Type: Restricted
Companion Value: ‘R’
Only ‘’Customer / Monetary Returns” are eligible to be returned by ICP File.
Refer to X9 Annex B > Return Reason Codes (Canada).

X9 Section > 8.15 User Field

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blank

X9 Section > 8.16 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blank
Standard 015
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Exchange of Check and Image Data”
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X9 Section > 9 Bundle Header Record (Type 20)

Narrative for Companion Document

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Collection Type Indicator M 03 – 04 2 N
3 Destination Routing Number M 05 – 13 9 N
4 ECE Institution Routing Number M 14 – 22 9 N
5 Bundle Business Date M 23 – 30 8 N
6 Bundle Creation Date M 31 – 38 8 N
7 Bundle ID C 39 – 48 10 AN
8 Bundle Sequence Number C 49 – 52 4 NB
9 Cycle Number C 53 – 54 2 AN
10 Reserved M 55 – 63 9 B
11 User Field C 64 – 68 5 ANS
12 Reserved M 69 – 80 12 B

Field Specifications for Companion Document

X9 Section > 9.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘20’
Standard 015
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X9 Section > 9.2 Collection Type Indicator

Companion Usage: Mandatory

Companion Data Type: Restricted
Companion Value: The value shall be identical to:
Cash Letter Header Record (Type 10)
Field 02 – Collection Type Indicator

X9 Section > 9.3 Destination Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall be identical to:
Cash Letter Header Record (Type 10)
Field 03 – Immediate Destination Routing Number

X9 Section > 9.4 ECE Institution Routing Number

X9 Section > 9.10 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks

X9 Section > 9.11 User Field

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks

X9 Section > 9.12 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 10 Check Detail Record (Type 25)

This record is not used for ICP Return File Delivery in Canada.

Forward presentment by image is addressed in Part A of this Companion Document.

X9 Section > 11 Check Detail Addendum A Record (Type 26)

This record is not used for ICP Return File Delivery in Canada.

Refer to Return Addendum A Record (Type 32) in this document.

X9 Section > 12 Check Detail Addendum B Record (Type 27)

This record is not used for ICP Return File Delivery in Canada.

Refer to Return Addendum C Record (Type 34) in this document.

X9 Section > 13 Check Detail Addendum C Record (Type 28)

This record is not used for ICP Return File Delivery in Canada.

Refer to Return Addendum D Record (Type 35) in this document.

Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 14 Return Record (Type 31)

Narrative for Companion Document

The Return Record is Mandatory, and contains fifteen fields. It shall be present as the Collection Type
Indicator (Field 2) in the Bundle Header Record (Type 20) is equal to ‘03’. One Return Record shall be
sent for each cheque or other designated payment item that is being returned.

If Image View records are included in the file, the Return Record shall always follow a Bundle Header
Record (Type 20) or an Image View Data Record (Type 52). If Image View records are omitted from the
file, the Return Record shall always follow a Bundle Header Record (Type 20) or a Mandatory Return
Addendum D Record (Type 35).

The ECE institution is assumed to be or to represent the Bank of First Deposit.

ANSI X9.100-187-2008 Standard Record Fields Summary
FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Payor Bank Routing Number M 03 – 10 8 N
3 Payor Bank Routing Number Check Digit M 11 – 11 1 N
4 On-Us C 12 – 31 20 NBSM
OS
5 Item Amount M 32 – 41 10 N
6 Return Reason M 42 – 42 1 AN
7 Return Record Addendum Count M 43 – 44 2 N
8 Return Documentation Type Indicator C 45 – 45 1 AN
9 Forward Bundle Date C 46 – 53 8 N
10 ECE Institution Item Sequence Number C 54 – 68 15 NB
11 External Processing Code C 69 – 69 1 NS
12 Return Notification Indicator C 70 – 70 1 N
13 Archive Type Indicator C 71 – 71 1 AN
14 Number of Times Returned C 72 – 72 1 AN
15 Reserved M 73 – 80 8 B

Field Specifications for Companion Document

X9 Section > 14.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘31’
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 14.2 Payor Bank Routing Number (combined with the following field)
X9 Section > 14.3 Payor Bank Routing Number Check Digit (combined with the
previous field)
Companion Usage: Mandatory
Companion Data Type: Required
Companion Value: Field 04 combined with Field 05 comprises 9 consecutive characters.
In order to accommodate a ‘dash’ character separator, Field 04 type shall be
defined as:
ANSI X9.100-187-2008
Section 5.2.4 Numericblank/special MICR (NBSM).
Refer to Table 3 for format and content of the combined field values.
For items presented electronically, this may contain a value that is different
from the incoming Check Detail Record (Type 25) Field 04 Payor Bank
Routing Number with Field 05 Check Digit. The paying Financial Institution or
its processing agent, at its discretion, may have replaced, augmented,
modified or corrected the originally received value to meet its proprietary
requirements.

Format Format Currency Structured Content Usage

X9 Section > 14.9 Forward Bundle Date

Companion Usage: Conditional

Companion Data Type: Required
Companion Value: If present, the format shall be identical to:
File Header Record (Type 01)
Field 06 – File Creation Date

The condition for the use of this field is according to:

ANSI X9.100-187-2008
Return Record (Type 31)
Field 09 – Forward Bundle Date

X9 Section > 14.10 ECE Institution Item Sequence Number

Companion Usage: Conditional

Companion Data Type: Required
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Record (Type 31)
Field 10 – ECE Institution Item Sequence Number

X9 Section > 14.11 External Processing Code

Companion Usage: Conditional

Companion Data Type: Required
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Record (Type 31)
Field 11 – External Processing Code.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 14.12 Return Notification Indicator

Companion Usage: Conditional

Companion Data Type: Indeterminate
Companion Value: The content of this field provides no value.
The relevance of this field is always superseded by the restricted value in:
Cash Letter Header Record (Type 10)
Field 09 - Documentation Type Indicator
X9 Section > 14.13 Archive Type Indicator

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blank

X9 Section > 14.14 Number of Times Returned

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Values:
1) Blank (unused);
2) ‘1’ (returned once)

X9 Section > 14.15 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 15 Return Addendum A Record (Type 32)

Narrative for Companion Document

The Return Addendum A Record is Mandatory and contains thirteen fields. It is one of four addendum
type records that may be used with the Return Record (Type 31), three of which are Mandatory.

The Return Addendum A Record follows its immediately preceding Return Record (Type 31). The Return
Addendum A Record shall be used to indicate the Financial Institution designated to receive and process
the return of the item associated with the preceding Return Record (Type 31). The Return Processing
Bank may or may not be the BOFD. The Financial Institution that is indicated as the Return Processing
Bank shall be responsible for the proper disposition of the image return upon receipt.

If the Forward item corresponding to this return was originally presented by image and a Check Detail
Addendum A Record (Type 26) was included, then the Return Addendum A Record shall contain the
same information from the corresponding Check Detail Addendum A Record (Type 26).

If the Forward item corresponding to this Return was originally presented by image, but there was no
Check Detail Addendum A Record (Type 26), then a Return Addendum A Record shall be created and
will contain information that is keyed from viewing areas on the Forward presented image.

If the Forward item corresponding to this Return was originally presented as paper, either in the form of
the original paper item or a paper substitution CRD, then the Return Addendum A Record shall be
created and will contain endorsement information that is keyed from viewing the surface of the original
physical item or its image following processing of the item.

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Return Addendum A Record Number M 03 – 03 1 N

3 Return Location Routing Number M 04 – 12 9 N

4 BOFD / Endorsement Business Date M 13 – 20 8 NS
5 BOFD Item Sequence Number M 21 – 35 15 NB
6 Deposit Account Number at BOFD C 36 – 53 18 ANS
7 BOFD Deposit Branch C 54 – 58 5 ANS
8 Payee Name C 59 – 73 15 ANS
9 Truncation Indicator M 74 – 74 1 A
10 BOFD Conversion Indicator C 75 – 75 1 AN
11 BOFD Correction Indicator C 76 – 76 1 N
12 User Field C 77 – 77 1 ANS
13 Reserved M 78 – 80 3 B
Standard 015
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Field Specifications for Companion Document

X9 Section > 15.1 Record Type

Companion Usage: Mandatory

The use of this field is according to:

ANSI X9.100-187-2008
Return Addendum A Record (Type 32)
Field 04 – BOFD / Endorsement Business Date

X9 Section > 15.5 BOFD Item Sequence Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Addendum A Record (Type 32)
Field 05 – BOFD Item Sequence Number

X9 Section > 15.6 Deposit Account Number at BOFD

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Addendum A Record (Type 32)
Field 10 – BOFD Conversion Indicator

X9 Section > 15.11 BOFD Correction Indicator

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Addendum A Record (Type 32)
Field 11 – BOFD Correction Indicator

X9 Section > 15.12 User Field

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blank

X9 Section > 15.13 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blank
Standard 015
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PART B – RETURNS

X9 Section > 16 Return Addendum B Record (Type 33)

Narrative for Companion Document

The Return Addendum B Record is Mandatory and contains six fields. It is one of four addendum type
records that may be used with the Return Record (Type 31), three of which are Mandatory.

Only one Return Addendum B Record is permitted for a Return Record (Type 31). The Return Addendum
B Record shall always follow its immediately preceding Return Addendum A Record (Type 32).

The Return Addendum B Record is used to carry the Auxiliary On-Us MICR Field information that was
included in Check Detail Record (Type 25) for the original Forward presented item, that is now is now
associated with the preceding Return Record (Type 31).

The Forward item corresponding to this Return may have been presented by image, or it may have been
presented as paper, either in the form of the original paper item or a paper substitution CRD. The
Auxiliary On-Us MICR Field on a presented item is normally present, however it may have been absent,
in which case the Mandatory Return Addendum B Record shall still be included.

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Payor Bank Name C 03 – 20 18 ANS
3 Auxiliary On-Us C 21 – 35 15 NBSM
4 Payor Bank Item Sequence Number C 36 – 50 15 NB
5 Payor Bank Business Date C 51 – 58 8 N
6 Payor Account Name C 59 – 80 22 ANS

Field Specifications for Companion Document

X9 Section > 16.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘33’
Standard 015
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X9 Section > 16.2 Payee Name

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks

X9 Section > 16.3 Auxiliary On-Us

Companion Usage: Conditional

Companion Data Type: Required
Companion Value: Refer to:
ANSI X9.100-187-2008
Return Record (Type 33)
Field 03 – Auxiliary On-Us.
Most cheques and other payment items in Canada, including retail and
commercial items, contain an encoded Auxiliary On-Us MICR field (the
“Serial” field).
If the original item did not contain an encoded Auxiliary On-Us MICR field,
the Return Addendum B Record shall nonetheless be included with the
Return Record (Type 31). In this event, the value in this field shall be blanks.
For items presented electronically, this field may contain a value that is
different from the original Check Detail Record (Type 25) Field 02 - Auxiliary
On-Us. The paying Financial Institution, or its processing agent, at its
discretion, may have replaced, modified or corrected the originally received
value of the Auxiliary On-Us field to meet its requirements.

X9 Section > 16.4 Payor Bank Item Sequence Number

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Addendum B Record (Type 33)
Field 04 - Payor Bank Item Sequence Number
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 16.5 Payor Bank Business Date

Companion Usage: Conditional

Companion Data Type: Indeterminate
Companion Value: If present, then the format shall be identical to:
File Header Record (Type 01)
Field 06 – File Creation Date
X9 Section > 16.6 Payor Account Name

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 17 Return Addendum C Record (Type 34)

Narrative for Companion Document

The Return Addendum C Record is Conditional. It is presented in an abbreviated format. The use of this
record is subject to special clearing arrangements between the delivering and the receiving Direct
Clearers.

The delivery of an Image Captured Payment file from one Direct Clearer to another can optionally be
completed without the transfer of the Image View records for the returned items, subject to a special
clearing arrangement.

Within the ANSI X9.100-187-2008 standard, the Return Addendum C Record is intended to be a
mechanism to transfer an electronic image archive locator key for a returned item that is delivered without
image segments, for which the images can be separately extracted from the Archive store.

This Companion Document does not provide specifications or instructions as to how image access is
provided under such agreements. However, as the Return Addendum C Record is within the base ANSI
X9.100-187-2008 standard, and is intended to assist in archival retrieval for non-image delivery, the
Return Addendum C Record is presented as an optional facilitator for such special clearing
arrangements.

If the Forward item corresponding to this return was originally presented by ICP File without Image View
record pairs (Type 50/52), and a Check Detail Addendum B Record (Type 27) was included, then the
Return Addendum C Record shall contain the same information from the corresponding Check Detail
Addendum B Record (Type 27), even if the image segments are included in Image View record pairs
(Type 50/52) with the Return Record (Type 31).

If the Forward item corresponding to this Return was originally presented by ICP File with Image View
record pairs (Type 50/52), and therefore there was no Check Detail Addendum B Record (Type 27), and
the item is being returned by ICP File without Image View record pairs (Type 50/52), then a new Return
Addendum C Record may be included to provide the image archive locator key.

If the Forward item corresponding to this Return was originally presented as paper, either as the original
paper item or a paper substitution CRD, and the item is being returned by ICP File without Image View
record pairs (Type 50/52), then a new Return Addendum C Record may be included to provide the image
archive locator key.
Standard 015
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Abbreviated Field Specifications for Companion Document

X9 Section > 17.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘34’

X9 Section > 17.2 Variable Size Record Indicator

Companion Usage: Mandatory

Companion Data Type: Restricted
Companion Value: ‘1’

X9 Section > 17.4 Length of Image Archive Locator

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: The value shall be according to:
ANSI X9.100-187-2008
Return Addendum C Record (Type 34)
Field 04 – Length of Image Archive Locator

X9 Section > 17.5 Image Archive Locator

Option 2: Field 2 = 1

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: The usage of this field shall be according to:
ANSI X9.100-187-2008
Return Addendum C Record (Type 34)
Field 05 – Image Archive Locator
The format, content and use of the Image Archive Locator key are by
agreement between the delivering and receiving Direct Clearers.
Standard 015
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PART B – RETURNS

X9 Section > 18 Return Addendum D Record (Type 35)

Narrative for Companion Document

The Return Addendum D Record contains thirteen fields. It is one of four addendum type records
available that may be used with the Return Record (Type 31), three of which are Mandatory.

One Return Addendum D Record is Mandatory. A Mandatory Return Addendum D Record shall always
be used with a Return Record (Type 31). Only the Mandatory Check Detail Addendum C Record is
expected with a Return Record (Type 31), although others may be present. The Mandatory record is used
to carry endorsement information identifying the delivering Direct Clearer as the Financial Institution
responsible for the delivery of the file to the exchange.

If only one Return Addendum D Record is present, then it shall be considered the Mandatory Return
Addendum D Record. If more than one record is present, then the most recent record in chronological
order shall be considered the Mandatory Return Addendum D Record.

The Return Addendum D Record shall follow:

5) Another Return Addendum D Record:
if there are multiple Return Addendum D Records in the file;
6) The Return Addendum C Record (Type 34):
if one is included in a non-image returns file to provide an archive locator key;
7) The Mandatory Return Addendum B Record (Type 33):
if the Return Addendum C Record (Type 34) is omitted from the file.

If the Forward item corresponding to this Return was originally presented by image, then one or more
Check Detail Addendum C Records (Type 28) were included, because at least one Check Detail
Addendum C Record (Type 28) was Mandatory. In this case, a Return Addendum D Record shall be
included for each Check Detail Addendum C Record (Type 28), and each shall contain the same
information from the corresponding Check Detail Addendum C Record (Type 28).

If the Forward item corresponding to this Return was originally presented as paper, either in the form of
the original paper item or a paper substitution CRD, then a Mandatory Return Addendum D Record shall
still be included.
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
2 Check Detail Addendum D Record Number M 03 – 04 2 N
3 Endorsing Bank Routing Number M 05 – 13 9 N
4 BOFD / Endorsement Business Date M 14 – 21 8 N
5 Endorsing Bank Item Sequence Number M 22 – 36 15 NB
6 Truncation Indicator M 37 – 37 1 A
7 Endorsing Bank Conversion Indicator C 38 – 38 1 AN
8 Endorsing Bank Correction Indicator C 39 – 39 1 N
9 Return Reason C 40 – 40 1 AN
10 User Field C 41 – 59 19 ANS
11 Endorsing Bank Identifier C 60 – 60 1 AN
12 Reserved M 61 – 80 20 B

Field Specifications for Companion Document

X9 Section > 18.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘35’

X9 Section > 18.2 Return Addendum D Record Number

Companion Usage: Mandatory

Companion Data Type: Expected
Companion Value: (variable, according to the actual count of Return Addendum D Records)
Sequence of Return Addendum D Records:
1) Conditional: Zero or more Return Addendum D Records:
a) From transposed Check Detail Addendum C Records (Type 28):
(1) Proprietary Check Detail Addendum C Records (Type 28);
(2) Single Mandatory Check Detail Addendum C Record (Type
28) for forward image presentment;
2) Mandatory: One Return Addendum D Record, identifying the Direct
Clearer delivering the file.
Standard 015
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PART B – RETURNS

X9 Section > 18.3 Endorsing Bank Routing Number

Companion Data Type: Selected
Companion Value: The condition for the use of this field is according to:
ANSI X9.100-187-2008
Return Addendum D Record (Type 35)
Field 06 – Truncation Indicator
Values
‘Y’
This value indicates that the Financial Institution in Field 03 is
identified as the Truncator of the original item.
‘N’
This value indicates that the Financial Institution in Field 03 is not
identified as the Truncator of the original item.

Subject to the condition of use:

 Return Addendum D Records created from transposed Check Detail
Addendum C Records (Type 28) may contain either value;
 For a Forward item presented by image, the Mandatory Return
Addendum D Record identifying the returning Direct Clearer shall have
value ‘N’;
 For a Forward item presented as the original cheque, the Mandatory
Return Addendum D Record identifying the returning Direct Clearer shall
have value ‘Y’;
 For a Forward item presented as a CRD, the Mandatory Return
Addendum D Record identifying the returning Direct Clearer shall have
value ‘N’.
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PART B – RETURNS

X9 Section > 18.7 Endorsing Bank Conversion Indicator

Companion Usage: Conditional

Companion Data Type: Selected
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Addendum D Record (Type 35)
Field 07 – Endorsing Bank Conversion Indicator

Values:
1) Blank (unused);
2) ‘0’ (did not convert physical document);
3) ‘2’ (original paper converted to image);
4) ‘8’ (undetermined).

X9 Section > 18.8 Endorsing Bank Correction Indicator

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Addendum D Record (Type 35)
Field 08 – Endorsing Bank Correction Indicator

X9 Section > 18.9 Return Reason

Companion Usage: Conditional

Companion Data Type: Required
Companion Value: For Return Addendum D Record created from a transposed Check Detail
Addendum C Record (Type 28):
Value: Blank

For Mandatory Return Addendum D Record identifying the returning Direct

Clearer:
The value shall be identical to
Return Record (Type 31)
Field 06 – Return Reason.
Standard 015
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PART B – RETURNS

X9 Section > 18.10 User Field

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blank

X9 Section > 18.11 Endorsing Bank Identifier

Companion Usage: Conditional

Companion Data Type: Selected
Companion Value: The use of this field is according to:
ANSI X9.100-187-2008
Return Addendum D Record (Type 35)
Field 11 – Endorsing Bank Identifier
Values:

Blank
(field unused);
‘0’ or ‘1’
Value transposed from
Check Detail Addendum C Record (Type 28)
Field 11 – Endorsing Bank Identifier;
‘2’
For Mandatory Return Addendum D Record:
Indicates the endorsing Financial Institution is not specifically
identifying itself as the Payor Financial Institution;
‘3’
For Mandatory Return Addendum D Record:
Indicates the endorsing Financial Institution is identifying itself as the
Payor Financial Institution.

X9 Section > 18.12 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

The following sections in the ANSI X9.100-187-2008 standard are not included in this Companion
Document. These sections provide the specifications for records that either do not provide any business
content to ICP Return File Delivery in Canada, or provide business value in specific circumstances.

X9 Section > 19 Account Totals Detail Record (Type 40)

This record is not used for ICP Return File Delivery in Canada.

X9 Section > 20 Non-Hit Totals Detail Record (Type 41)

This record is not used for ICP Return File Delivery in Canada.
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 21 Image View Detail Record (Type 50)

Narrative for Companion Document

The Image View Detail Record is Conditional and contains nineteen fields. If present, this record follows
its immediately preceding Mandatory Return Addendum D Record (Type 35). The Image View Detail
Record shall also follow an Image View Data Record (Type 52) because an item has multiple image
views. The Image View Detail Record shall be present if the Cash Letter Record Type Indicator - Field 08
in the Cash Letter Header Record (Type 10) has a defined value of ‘I’.

The Image View Detail Record and the Image View Data Record (Type 52) shall be used together to
convey an image view associated with the related Return Record (Type 31). When an Image View Detail
Record (Type 50) is present, an Image View Data Record (Type 52) shall also be present.

Image segments related to the Return Record (Type 31) shall be ordered in the following sequence:
1) front bitonal; 2) front greyscale (*optional); 3) back bitonal; 4) back greyscale. (*optional)
* Note: the exchange of greyscale images is optional as outlined in Operational Agreements between
Members.

Front and back image segments shall always be included on the file, unless omitted by a clearing
arrangement. Image segments shall either be included for all items in the file, or omitted for all items in
the file. If image segments are omitted, then Image View Detail Records (Type 50) shall be omitted from
the file. If Image View Detail Records (Type 50) are omitted, then Cash Letter Record Type Indicator -
Field 08 in the Cash Letter Header Record (Type 10) shall have a defined value of ‘E’. Refer to X9
Section > 17 Return Addendum C Record (Type 34) for additional information on non-image returns
file transfer.

The image view for a returned item corresponding to an image presented Forward item was created by
the Direct Clearer that delivered the original Forward item, or by another Financial Institution that created
the image view and passed it to the forwarding Direct Clearer.

The image view for a returned item corresponding to a Forward item that was presented as an original
cheque or a CRD is created by the Direct Clearer that delivers the returned item.

The data fields reflect the creator of the image view.

Standard 015
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PART B – RETURNS

ANSI X9.100-187-2008 Standard Record Fields Summary

Field Specifications for Companion Document

X9 Section > 21.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘50’
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 21.2 Image Indicator

Companion Usage: Mandatory

X9 Section > 21.3 Image Creator Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: This value is assigned by the Financial Institution that created the image.

Companion Usage: Mandatory

Companion Data Type: Selected
Companion Value: Each permitted value, and according to the Mandatory sequence of image
views.

X9 Section > 21.9 View Descriptor

Companion Usage: Mandatory

Companion Data Type: Restricted
Companion Value: ‘00’ (full view)

X9 Section > 21.10 Digital Signature Indicator

Companion Usage: Conditional

Companion Data Type: Selected
Companion Value: 1) Blank (Digital Signature not used)
2) ‘0’ (Digital Signature not present)

X9 Section > 21.11 Digital Signature Method

Companion Usage: Conditional

Companion Data Type: Restricted
Companion Value: Blanks

X9 Section > 21.12 Security Key Size

Companion Usage: Conditional

X9 Section > 21.19 Reserved

Companion Usage: Mandatory
Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 22 Image View Data Record (Type 52)

Narrative for Companion Document

The Image View Data Record and the Image View Detail Record (Type 52) shall be used together to
convey an image view associated with the related Return Record (Type 31). When an Image View Detail
Record (Type 50) is present, an Image View Data Record (Type 52) shall also be present.

The image view for a returned item corresponding to a Forward item that was presented as an original
cheque or a CRD is created by the Direct Clearer that delivers the returned item.

The data fields in the Image View Data Record for the item that is returned by a Direct Clearer reflect the
returning Direct Clearer.

Refer to X9 Section > 21 Image View Detail Record (Type 50) for considerations on the optional
omission of image segments from the file, the inclusion of various image segments on the file, and the
creator of the image segments.
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

ANSI X9.100-187-2008 Standard Record Fields Summary

FIELD FIELD NAME USAGE POSITION SIZE TYPE
1 Record Type M 01 – 02 2 N
Item Reference Key
2 ECE Institution Routing Number (Clause M 03 – 11 9 N
9.4)
3 Bundle Business Date (Clause 9.5) M 12 – 19 8 N
4 Cycle Number (Clause 9.9) C 20 – 21 2 AN
5 ECE Institution Item Sequence Number M 22 – 36 15 NB
(Clause 10.8)
Additional Security Information
6 Security Originator Name C 37 – 52 16 ANS
7 Security Authenticator Name C 53 – 68 16 ANS
8 Security Key Name C 69 – 84 16 ANS
Clipping Information
9 Clipping Origin M 85 – 85 1 NB
10 Clipping Coordinate h1 C 86 – 89 4 N
11 Clipping Coordinate h2 C 90 – 93 4 N
12 Clipping Coordinate v1 C 94 – 97 4 N
13 Clipping Coordinate v2 C 98 – 101 4 N
Image Reference Key
14 Length of Image Reference Key C 102 – 105 4 N
15 Image Reference Key C 106 – Varia ANS
(105+X) ble
(X)
Binary Data Information
16 Length of Digital Signature M (106+X) – 5 NB
(110+X)
17 Digital Signature C (111+X) – Varia Binary
(110+X+Y) ble
(Y)
18 Length of Image Data M (111+X+Y) 7 NB
–
(117+X+Y)
19 Image Data M (118+X+Y) Varia Binary
– ble
(117+X+Y+ (Z)
Z)
Standard 015
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PART B – RETURNS

Field Specifications for Companion Document

X9 Section > 22.1 Record Type

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: ‘52’

X9 Section > 22.2 ECE Institution Routing Number

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall be according to:
ANSI X9.100-187-2008
Image View Data Record (Type 52)
Field 02 – ECE Institution Routing Number

X9 Section > 22.3 Bundle Business Date

Companion Usage: Mandatory

X9 Section > 24.2 Items Within Bundle Count

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall represent the total number of return items in the immediate
bundle, which is the total number of Return Records (Type 31) in the Bundle.
There shall always be at least one return item within each bundle.

X9 Section > 24.3 Bundle Total Amount

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall represent the total dollar value of all return items in the
immediate bundle, which is the total dollar value of all Return Records (Type
31) in the Bundle.
Canadian Currency items:
The Canadian dollar value.
US Currency items:
The US dollar value.

X9 Section > 24.4 MICR Valid Total Amount

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 24.5 Images Within Bundle Count

Companion Usage: Mandatory

Images included in the file:

Value: Various
Each return item in the bundle shall have at least two Image View
Record pairs (Type 50 and Type 52), representing a full front and
back image segment set.
There shall always be at least two such Image View Record pairs
within each bundle.
Return items may have additional Image View Record pairs (Type
50 and Type 52), representing a secondary full front image segment
and/or back image segment set.

X9 Section > 24.6 User Field

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks

X9 Section > 24.7 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 25 Box Summary Record (Type 75)

This record is not used for ICP Return File Delivery in Canada.

X9 Section > 26 Routing Number Summary Record (Type 85)

This record is not used for ICP Return File Delivery in Canada.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 27 Cash Letter Control Record (Type 90)

Images included in the file:

There shall always be at least the following minimum 14 records in the
file:
One File Header Record (Type 01)
One Cash Letter Header Record (Type 10)
One Bundle Header Record (Type 20)
One Return Record (Type 31)
One Return Addendum A Record (Type 32)
One Return Addendum B Record (Type 33)
One Return Addendum D record (Type 35)
[Mandatory]
One Image View Detail Record (Type 50) [front]
One Image View Data Record (Type 52) [front]
One Image View Detail Record (Type 50) [back]
One Image View Data Record (Type 52) [back]
One Bundle Control Record (Type 70)
One Cash Letter Control record (Type 90)
One File Control Record (Type 99)
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

X9 Section > 28.4 Total Item Count

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall represent the total number of return items in the file, which is
the total number of Return Records (Type 31) in the file.
There shall always be at least one return item in each file.

X9 Section > 28.5 File Total Amount

Companion Usage: Mandatory

Companion Data Type: Required
Companion Value: The value shall represent the total dollar value of all return items in the file,
which is the total dollar value of all Return Records (Type 31) in the file.
Canadian Currency items:
The Canadian dollar value.
US Currency items:
The US dollar value

X9 Section > 28.6 Immediate Origin Contact Name

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks

X9 Section > 28.7 Immediate Origin Contact Phone Number

Companion Usage: Conditional

Companion Data Type: Expected
Companion Value: Blanks

X9 Section > 28.8 Reserved

Companion Usage: Mandatory

Companion Data Type: Mandatory
Companion Value: Blanks
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Annex A > Standard On-Us Field Format

ANSI X9.100-187-2008 information applies to ICP Return File delivery in Canada.

Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Annex B > Return Reason Codes

B.1 General Comments

ANSI X9.100-187-2008 information concerning US returns does not apply directly to ICP Return File
delivery in Canada.

For image returns in the Canadian clearings, there can be a maximum of 36 Return Reason codes that
are applied to the Return Record (Type 31) Field 06 – Return Reason.

The values of the Return Reason codes, together with their respective descriptors, in both English and
French, are listed in the CPA Rules and Standards.

B.2 Customer / “Monetary” Returns

The US customer / account Return Reason values as documented in ANSI X9.100-187-2008 do not
directly apply to image returns in the Canadian clearings.

Refer to the CPA Rules and Standards.

B.3 Administrative Returns

The US Administrative Returns as documented in ANSI X9.100-187-2008 do not directly apply to image
returns in the Canadian clearings.

Items that are returned for administrative reasons, which are errors or conditions associated with the item
itself and not the account from which it is ordered to be paid, cannot be returned by image on an ICP File.
Refer to the CPA Rules and Standards.
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Annex C > Relationship of Cash Letter Record Type Indicator &

Documentation Type Indicator

ANSI X9.100-187-2008 information partially applies to ICP Return File delivery in Canada.

X9 Annex D > Image Record Definition for Image View Not Present

ANSI X9.100-187-2008 information does not apply to ICP Return File delivery in Canada.

X9 Annex E > Variable Length Record File

ANSI X9.100-187-2008 information applies to ICP Return File delivery in Canada.

X9 Annex F > Image Record Definitions

ANSI X9.100-187-2008 information does not apply to ICP Return File delivery in Canada.

X9 Annex G > Check Digit Calculation

ANSI X9.100-187-2008 information partially applies to ICP Return File delivery in Canada.

The check digit is present in Return Record (Type 31) – Field 03 ‘Payor Bank Routing Number
Check Digit’ only when:
Field 02 ‘Payor Bank Routing Number’ together with Field 03 ‘Payor Bank Routing
Number Check Digit’ contains a combined 9-character data format ‘AAAABBBBC’,
indicating a US ABA MICR Routing Number for a US currency ABA item.
Standard 015
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Exchange of Check and Image Data”
PART B – RETURNS

X9 Annex H > Examples of Electronic Exchange File Structures

ANSI X9.100-187-2008 information partially applies to ICP Return File delivery in Canada.

The minimal structure of the file, based on the record types that are detailed in this document, is as
follows.

Images omitted from the file:

FILE HEADER RECORD (Type 01)

Cash Letter Header Record (Type 10) (first cash letter of file)
Bundle Header Record (Type 20) (first bundle of cash letter)
Return Record (Type 31) (first return item of first bundle, no image records)
Return Addendum A Record (Type 32)
Return Addendum B Record (Type 33)
Return Addendum D Record (Type 35) (single Mandatory Return
Addendum D Record)
Return Record (Type 31) (second return item of first bundle, no image records)
||
Return Record (Type 31) (last return item of first bundle, no image records)
||
Bundle Control Record (Type 70) (end of first bundle of cash letter)
Bundle Header Record (Type 20) (second bundle of cash letter)
||
Bundle Control Record (Type 70) (end of second bundle of cash letter)
||
Bundle Header Record (Type 20) (last bundle of cash letter)
||
Bundle Control Record (Type 70) (end of last bundle of cash letter)
Cash Letter Control Record (Type 90) (end of first cash letter)
Cash Letter Header Record (Type 10) (second cash letter of file)
||
Cash Letter Control Record (Type 90) (end of second cash letter)
||
Cash Letter Header Record (Type 10) (last cash letter of file)
||
Cash Letter Control Record (Type 90) (end of last cash letter)
FILE CONTROL RECORD (Type 99)
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

Images included in the file:

FILE HEADER RECORD (Type 01)

Cash Letter Header Record (Type 10) (first cash letter of file)
Bundle Header Record (Type 20) (first bundle of cash letter)
Return Record (Type 31) (first return item of first bundle)
Return Addendum A Record (Type 32)
Return Addendum B Record (Type 33)
Return Addendum D Record (Type 35) (single Mandatory Return
Addendum D Record)
Image View Detail Record (Type 50) (first item, 1st segment - front view)
Image View Data Record (Type 52) (first item, 1st segment - front view)
Image View Detail Record (Type 50) (first item, 2nd segment - rear view)
Image View Data Record (Type 52) (first item, 2nd segment - rear view)
Return Record (Type 31) (second return item of first bundle, with image records)
||
Return Record (Type 31) (last return item of first bundle, with image records)
||
Bundle Control Record (Type 70) (end of first bundle of cash letter)
Bundle Header Record (Type 20) (second bundle of cash letter)
||
Bundle Control Record (Type 70) (end of second bundle of cash letter)
||
Bundle Header Record (Type 20) (last bundle of cash letter)
||
Bundle Control Record (Type 70) (end of last bundle of cash letter)
Cash Letter Control Record (Type 90) (end of first cash letter)
Cash Letter Header Record (Type 10) (second cash letter of file)
||
Cash Letter Control Record (Type 90) (end of second cash letter)
||
Cash Letter Header Record (Type 10) (last cash letter of file)
||
Cash Letter Control Record (Type 90) (end of last cash letter)
FILE CONTROL RECORD (Type 99)

X9 Annex I > Image Keys

ANSI X9.100-187-2008 information does not normally apply to ICP Return File delivery in Canada.
For non-image returns file delivery, the description of the Image Archive Locator may be of some limited
value.

X9 Annex J > Endorsements

ANSI X9.100-187-2008 information does not apply to ICP Return File delivery in Canada.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART B – RETURNS

X9 Annex K > Differences Between DSTU X9.37 and This Standard

ANSI X9.100-187-2008 information partially applies to ICP Return File delivery in Canada.

This Companion Document provides detailed descriptions of the following record types:
File Header Record (Type 01)
Cash Letter Header Record (Type 10)
Bundle Header Record (Type 20)
Return Record (Type 31)
Return Addendum A Record (Type 32)
- Mandatory record
Return Addendum B Record (Type 33)
- Mandatory record
Return Addendum C Record (Type 34)
- Conditional record
- Possible restricted use for non-image files
Return Addendum D Record (Type 35)
- Single Mandatory record
- Other Conditional record(s)
Image View Detail Record (Type 50)
- Mandatory record unless omitted by clearing arrangement
Image View Data Record (Type 52)
- Mandatory record unless omitted by clearing arrangement
Bundle Control Record (Type 70)
Cash Letter Control Record (Type 90)
File Control Record (Type 99)
Within each of the record types, only specific fields apply, and in some cases, only specific values
for certain record fields apply.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

7 PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Table of Contents – Part C

7 PART C – PROCEDURES SPECIFIC TO ICP IN CANADA ......................................................... 154

7.1 Procedures for the population of ANSI X9.100-187-2008 files for Forward Presentment & Returns
of Eligible ICP Items ....................................................................................................................... 155
7.2 ICP File Naming Convention .......................................................................................................... 163
7.3 Rejected ICP File Notification ........................................................................................................ 166
7.4 End-of-Day ICP Transmission Notice ............................................................................................ 168
Standard 015
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PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

7.1 Procedures for the population of ANSI X9.100-187-2008 files for Forward
Presentment & Returns of Eligible ICP Items

The following table is intended to provide industry specific business usage rules for specified fields in
ANSI X9.100-187-2008 files for Inter-Member exchange of ICP Items in Canada. This table should be
read in conjunction with the ANSI X9.100-187-2008 Standard, as well as Parts A & B of this Standard.
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Procedures for the population of ANSI X9.100-187-2008 files for Forward Presentment &
Returns of Eligible ICP Items
Record Field Business Usage Rule for ICP Files
File Header 04 - Immediate The format is ‘CP00RSNNN’
Record Destination Content as follows
(Type 01) Routing
Number Sub-Field Value Comments
C – Currency ‘0’ = Canadian Indicated the currency of the
Indicator ‘1’ = US Items in the file and the value
shall be identical to Record
Type 01, Field 05.
P – Item Type ‘1’ = Forward Indicates the type of Items in
Presentment the file. The value is
Items expressed as a single digit
and shall be the numerical
equivalent of Record Type
10, Field 02.
00 ‘00’ Fixed value zeroes.

R - Region ‘0’ = Vancouver The value shall be identical to

‘1’ = Montreal Record Type 01, Field 05.
‘2’ = Toronto
‘3’ = Halifax
‘7’ = Winnipeg
‘8’ = National
‘9’ - Calgary
S – Processing ‘0’ = Primary Site Value ‘0’ is for single site
Site ‘1’ through ‘9’ = Direct Clearers only.
Multi Site
NNN – FI ‘001’ = BMO Indicates the FI number of
Number ‘002’ = BNS the receiving Direct Clearer.
‘003’ = RBC
‘004’ = TD
‘006’ = NBC
‘010’ = CIBC
‘016’ = HSBC
‘039’ = LBC
‘177’ = BOC
‘219’ = ATB
‘815’ = FCDQ
‘869’ = Central1
File Header 05 – The format is ‘CP00RSNNN’
Standard 015
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Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Record Field Business Usage Rule for ICP Files

Record Immediate Content as follows
(Type 01) Origin Routing Sub-Field Value Comments
Number
C – Currency ‘0’ = Canadian Indicated the currency of the
Indicator ‘1’ = US Items in the file and the value
shall be identical to Record
Type 01, Field 05.
P – Item Type ‘3’ = Returned Indicates the type of Items in
Items the file. The value is
expressed as a single digit
and shall be the numerical
equivalent of Record Type
10, Field 02.
00 ‘00’ Fixed value zeroes.
R - Region ‘0’ = Vancouver The value shall be identical to
‘1’ = Montreal Record Type 01, Field 04.
‘2’ = Toronto
‘3’ = Halifax
‘7’ = Winnipeg
‘8’ = National
‘9’ = Calgary
S – Processing ‘0’ = Primary Site Value ‘0’ is for single site
Site ‘1’ through ‘9’ = Direct Clearers only.
Multi Site
NNN – FI ‘001’ = BMO Indicates the FI number of the
Number ‘002’ = BNS delivering Direct Clearer.
‘003’ = RBC
‘004’ = TD
‘006’ = NBC
‘010’ = CIBC
‘016’ = HSBC
‘039’ = LBC
‘177’ = BOC
‘219’ = ATB
‘815’ = FCDQ
‘869’ = Central1
Cash Letter 05 – Cash The format is ‘YYYYMMDD’
Header Letter This represents the current processing date on the Paper Cash List (i.e.
Record Business Date ACSS Cycle Date)
(Type 10)
Standard 015
Page 158
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Record Field Business Usage Rule for ICP Files

Cash Letter 08 – Cash The format is ‘I’ = File with Image records, or ‘E’ = File without Image
Header Letter Record Records.
Record Type Indicator Where Record Type 10, Field 02 = ‘01’ (Forward Presentment Items), the
(Type 10) value may be ‘E’ or ‘I’.
Where Record Type 10, Field 02 – ‘03’ (Returned Items), the value shall
be ‘I’.

Cash Letter 09 – Cash Permitted Values for Forward Presentment Items:

Header Letter ‘C’ = If Record Type 10, Field 08 is populated with ‘E’
Record Documentation ‘G’ = If Record Type 10, Field 08 is populated with ‘I’
(Type 10) Type Indicator
Permitted Values for Returned Items:
‘G’ = If Record Type 10, Field 08 is populated with ‘I’
Check 02 – Auxiliary Subject to the note below, the population of this field shall be an exact
Detail On-Us replica of the printing in the Auxiliary On-Us Field (positions 45-58) of the
Record original payment item. Dashes in the Auxiliary On-Us field shall be
(Type 25) omitted.

Note: Where the MICR encoding of the Auxiliary On-Us field of an original
paper payment item is not readable by a MICR reader/sorter machine,
Intelligent Character recognition (ICR), or other automated processes, any
unreadable characters shall be replaced by an asterisk (*) in Record Type
25, Field 02.
Check 03 – External Subject to the note below, the population of this field shall be an exact
Detail Processing replica of the printing in the CRD Identifier Code section (position 44) of
Record Code the original payment item.
(Type 25)
Note: Where the MICR encoding of the CRD Identified Code section of an
original paper payment item is not readable by a MICR reader/sorter
machine, Intelligent Character recognition (ICR), or other automated
processes, any unreadable characters shall be replaced by an asterisk (*)
in Record Type 25, Field 03.
Check 04 – Payor Record Type 25, Fields 04 and 05 combined, contain 9 characters.
Detail Bank Routing The format is: NNNNN-FFF
Record Number
(Type 25) ‘NNNNN’ = The five digit number designated by a Member to identify a
05 – Payor Branch.
Bank Routing
Number Check ‘-‘ = the character ‘dash’
Digit ‘FFF’ = The financial institution number allocated by the CPA.
Subject to the note below, the population of this field shall be an exact
replica of the printing in the Transit Number Field (positions 33-43) of the
original payment item.
Standard 015
Page 159
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Record Field Business Usage Rule for ICP Files

Note: The three digit financial institution number (FFF) is mandatory.

Where the MICR encoding of the five digit branch number (NNNNN) of an
original paper payment item is not readable by a MICR reader/sorter
machine, Intelligent Character recognition (ICR), or other automated
processes, the corresponding section of Record Type 25, Field 02 shall be
replaced by zeros.

Alternate formats for this field, for use with USD items that contain an ABA
Routing Number is: TTTTAAAAC or TTTT-AAAA

Subject to the note below, the population of this field shall be an exact
replica of the printing on the original payment item.

Note: The ABA routing number is mandatory. Where the MICR encoding
of the ABA routing number is not readable by a MICR reader/sorter
machine, Intelligent Character recognition (ICR), or other automated
processes, the Item would need to be repaired.

Check 06 – On-Us
Detail Subject to the note below, the population of this field shall be an exact
Record replica of the printing in the On-Us Field (positions 14-31) of the original
(Type 25) payment item (i.e. Account/Trans. Code).

The transaction code portion of this field shall be separated from the
account number portion of the field by a forward slash (/). Dashed may be
omitted from the field.

Note: Where the MICR encoding of the On-Us field of an original paper
payment item is not readable by a MICR reader/sorter machine, Intelligent
Character recognition (ICR), or other automated processes, the
corresponding character (s) of Record Type 25, Field 06 shall be replaced
by an asterisk (*).

Check 07 – Item Where the payment type is Canadian, the amount shall not exceed
Detail Amount $25,000,000.00 Unless the item is an Inter-member payment to manage
Record settlement account balances in which case it shall not exceed
(Type 25) $90,000,000.00 If the payment type is USD, the amount shall not exceed
$99,999,999.99

Check 08 – ECE The format is proprietary to each Financial Institution.

Detail Institution Item
Record Sequence
(Type 25) Number
Check 03 – Return The format is ‘NNNNN-FFF’
Standard 015
Page 160
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Record Field Business Usage Rule for ICP Files

Detail Location
Addendum Routing ‘NNNNN’ = The five digit number designated by a Member to identify a
A Record Number Branch.
(Type 26) ‘-‘ = the character ‘dash’
‘FFF’ = The financial institution number allocated by the CPA.

This field indicates the branch and financial institution number of the
negotiating institution branch to which the item should be returned, if
dishonoured.
Check 03 – Endorsing The format is ‘NNNNN-FFF’
Detail Bank Routing
Addendum Number ‘NNNNN’ = The five digit number designated by a Member to identify a
C Record Branch.
(Type 28)
‘-‘ = the character ‘dash’
‘FFF’ = The financial institution number allocated by the CPA.

This field shall contain the branch and financial institution number of the
Direct Clearer which entered this item into the clearing. This field indicates
the Direct Clearers identification of the item in accordance with CPA Rule
A3.
Check 09 – Return This field may not be used, as re-presentment is not permitted.
Detail Reason
Addendum
C Record
(Type 28)
Return 02 – Payor Record Type 31, Fields 02 and 03 combined, contain 9 characters.
Record Bank Routing The format may is: NNNNN-FFF
(Type 31) Number
‘NNNNN’ = The five digit number designated by a Member to identify a
03 – Payor Branch.
Bank Routing
Number Check ‘-‘ = the character ‘dash’
Digit ‘FFF’ = The financial institution number allocated by the CPA.

For items presented electronically, this may be the same as Record Type
25, Field 04 and 05, unless the Drawee institution has replaced, modified
or corrected the originally received value to meet its proprietary
requirements.

For items presented as paper, the following business rules apply:

Subject to the note below, the population of this field shall be an exact
replica of the printing in the Transit Number Field (positions 33-43) of the
original payment item that is being returned.

Note: The three digit financial institution number (FFF) is mandatory.

Standard 015
Page 161
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Record Field Business Usage Rule for ICP Files

Alternate formats for this field, for use for USD items that contain an ABA
Routing Number is: TTTTAAAAC or TTTT-AAAA

Subject to the note below, the population of this field shall be an exact
replica of the printing on the original payment item that is being returned.

Return 04 – On-Us
Record For items presented electronically, this may be the same as Record Type
(Type 31) 25, Field 06, unless the Drawee institution has replaced, modified or
corrected the originally received value to meet its proprietary
requirements.

For items presented as paper, the following business rules apply:

Subject to the note below, the population of this field shall be a an exact
replica of the printing in the On-Us Field (positions 14-31) of the original
payment item.

The transaction code portion of this field shall be separated from the
account number portion of the field by a forward slash (/). The Dash may
be omitted from the field.

Note: Where the MICR encoding of the On-Us field of the original paper
payment item that is being returned is not readable by a MICR
reader/sorter machine, Intelligent Character recognition (ICR), or other
automated processes, the corresponding character(s) shall be replace by
an asterisk (*).

Return 05 – Item Where the payment type is Canadian, the amount of the return shall not
Record Amount exceed $25,000,000.
(Type 31)

Record Field Business Usage Rule for ICP Files

Return 06 – Return The format is ‘A-Z’ and ‘0-9’
Standard 015
Page 162
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Record Reason Reason For Return Raison du retour

(Type 31)
A Insufficient Funds Provisions insuffisantes
B Payment Stopped Opposition au paiement
C Post Dated Postdaté
D Stale Dated Périmé
E Counterfeit Item Effet contrefait
F Material Alteration Altération substantielle
G Forged/Unauthorized Signature Signature frauduleuse/Non autorisée
H Forged Endorsement Endossement frauduleux
I Intended Payee Not Paid Bénéficiaire visé non payé
J Account Closed Compte fermé
K Not Eligible for Clearing Non admissible à la compensation
L Drawer Deceased Tireur décédé
M Wrong Amount/Wrong Currency Montant incorrect/Mauvaise devise
N Duplicate Payment Paiement en double
Non-concordance des montants en
O Words and Figure Differ
lettres et en chiffres
P Cannot Trace Compte introuvable
Fonds sous saisie/Fonds non
Q Funds Frozen/Not Cleared
compensés
R Non-conforming Signature Signature non conforme
S Account Transferred to You Compte transféré chez vous
T No Chequing Privilege Pas de privilège de chèques
U Refer to Maker Référé à l’émetteur
V Not for Us Pas pour nous
W Lost or Stolen Prior to Issue Perdu ou volé avant l’émission
X Wrong Interest Calculation Calcul des intérêts erroné
Y Refused by Payor/Payee Refusé par le payeur/bénéficiaire
Z Missing Image/Image Not Usable Image manquante/Image inutilisable
Non concordance du codage
0 MICR Mismatch
magnétique
1 ICP Item Unable to Process Effet PSI incapable de traiter
2 Unauthorized PAD DPA non autorisé
3-9 Reserved for future use Réservé pour utilisation future
Standard 015
Page 163
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

7.2 ICP File Naming Convention

The following file naming convention for ICP Files shall be followed by each Delivering Direct
Clearer:

xxxxxx.ENVE.DdddS.RrrrS.RTC.DYYMMDD.Nxxxxx, where:

ICP File Name Field Definitions and Values

Field Name Field Definition Values
xxxxxxxx Prefix for mainframe catalogue at Up to 8 characters
the destination FI. Specified by First Character must be
the destination FI alphabetic

ENVE Environment Identification PROD = Production environment

TEST = Test environment
TRNG = Training environment
DEVE = Development
environment
DdddS D:
Fixed letter ‘D’
ddd = Delivering Direct Clearer ddd = Delivering Direct
Clearer
001 for BMO
002 for BNS
003 for RBC
004 for TD
006 for NBC
010 for CIBC
016 for HSBC
039 for Laurentian
177 for BoC
219 for ATB
815 for Desjardins
869 for Central 1

S = Direct Clearer Site Number S:

0 for Single Site Direct Clearers
1 through 9 for Multi Site Direct
Clearers
Standard 015
Page 164
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

RrrrS R:
Fixed letter ‘R’

rrr = Receiving Direct Clearer

rrr = Receiving Direct Clearer
No.
001 for BMO
002 for BNS
003 for RBC
004 for TD
006 for NBC
010 for CIBC
016 for HSBC
039 for Laurentian
177 for BoC
219 for ATB
815 for Desjardins
869 for Central 1

T:
Collection Type (T)
1 = Forward
3 = Returns

C:
Currency (C)
C = CAD
U = USD
DYYMMDD ACSS/USBE Processing Date The ACSS/USBE date during
which the file was prepared and
sent.

Leading D:
Fixed letter ‘D’
Standard 015
Page 165
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

Nxxxxx File number N:

Fixed letter ‘N’

xxxxx:
5 digit sequence number
Standard 015
Page 166
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

7.3 Rejected ICP File Notification

The format of an ICP File shall follow what is defined in the ANSI X9.100-187 Standard unless otherwise
noted in this document (Standard 015) and Rule A10. Failure to follow the data and field specifications
could result in a file rejection. In the event that an ICP File is rejected, notification from the Receiving
Direct Clearer should be provided to the Delivering Direct Clearer as soon as it becomes aware that the
file is rejected. The format (e.g. fixed block, text, PDF, etc.) and method of communicating the Rejected
ICP File Notice (e.g. email, FTP, fax, etc.) should be pre-established by the Participants involved in ICP
Exchange.

File Rejection Conditions: Failure to include mandatory information or adhere to the identified standard
file format may result in the rejection of an entire ICP File. When a rejection occurs the Receiving Direct
Clearer may contest the corresponding ACSS/USBE delivery in accordance with Rule A10. In addition,
certain record or item-level exceptions may also result in a rejected ICP File. If the number of such
exceptions within an ICP File exceeds a threshold, (as established by the exchange partners) all the
items within the file may be rejected. These exceptions may occur at the individual record or item level as
per operational agreements. If a field or multiple fields within a record are invalid, that record may be
counted against this file rejection threshold. When this threshold has been exceeded (i.e. the percentage
of invalid records within the file exceeds the file rejection threshold), the entire file may be rejected.

A sample Rejected ICP File Notification should include the following:

REJECTED ICP FILE NOTIFICATION

DATE: YYYY/MM/DD (1)

TIME: HH:MM:SS (2)

SENDER: DDDS (3)

RECEIVER: RRRS (4)

FILE DETAILS

FILE TRANSMISSION NAME: DDDS.RRRS.REG.TYPE.CUR.YYYYMMDD.ENVR.FILEN (5)

FILE REJECT REASON CODE: ZZZ (6)

Definitions of values listed in the sample Rejected ICP File Notification report:
1) DATE: Date of file rejection in YYYYMMDD format
2) TIME: Time of file rejection in HH:MM:SS format
3) SENDER: Delivering Direct Clearer (Creator of the ICP File)
4) RECEIVER: Receiving Direct Clearer (Creator of the Reject Notice)
5) FILE TRANSMISSION NAME: as associated with the ICP files delivered in
accordance with Standard 015: Part C – Section 7.2
Standard 015
Page 167
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

6) FILE REJECT REASON CODE:

Reject Code Rejected Reason

001 Corrupt Data/Unable to Process
002 Not for Us
003 Duplicate File
004 Out-of-Balance
005 Item/Record Level Errors
006 Mixed Collection Type
007 Mixed Currency Type
008 Invalid Date*
009 Incorrect Image Format
010 Image/Codeline Mismatch
011-099 Reserved for Future Use

*Note: An invalid date occurs when the date in the ICP file is not equal to the current ACSS or
USBE cycle date, or one day prior to the current ACSS or USBE cycle date.
Standard 015
Page 168
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

7.4 End-of-Day ICP Transmission Notice

An End-of-Day ICP Transmission Notice for each currency type (CAD and USD) is required from
the Delivering Direct Clearer and should be provided to the Receiving Direct Clearer concurrent
to or immediately following the last ICP File Exchange for the day. The format (e.g. fixed block,
text, PDF, etc.) and method of communicating the EOD Notice (e.g. email, FTP, fax, etc.) should
be pre-established by the Participants involved in ICP Exchange via an operational agreement.

A sample End-of-Day ICP Transmission Notice should include the following:

END-OF-DAY ICP TRANSMISSION NOTICE

DATE: YYYY/MM/DD (1)

TIME: HH:MM:SS (2)
CYCLE DATE: YYYY/MM/DD (3)
SETTLEMENT DATE: YYYY/MM/DD (4)

REGION: EEE (5)

SENDER: SSSSSSSSSSSSSSSSSS (6)
RECEIVER: RRRRRRRRRRRRRRRRRR (7)
COLLECTION TYPE: ZZZ (8)
CURRENCY: CUR (9)
SITE: DDDS (10)

VOLUME/VALUE SUMMARY

GRAND TOTAL FWD

GRAND TOTAL FWD ITEMS: XXX,XXX,XXX (11)
GRAND TOTAL FWD VALUE$: X,XXX,XXX,XXX,XXX,XXX.XX (12)

GRAND TOTAL RTN

GRAND TOTAL RTN ITEMS: XXX,XXX,XXX (13)
GRAND TOTAL RTN VALUE$: X,XXX,XXX,XXX,XXX,XXX.XX (14)

FILE DETAILS*

FILE TRANSMISSION NAME: DDDS.RRRS.REG.TYPE.CUR.YYYYMMDD.ENVR.FILEN (1519)

FILE CREATION DATE: YYYY/MM/DD (1620)
FILE CREATION TIME: HH:MM (1721)
FILE ORIGIN ROUTING NUMBER: OOOOOOOOO (1822)
FILE DEST ROUTING NUMBER: DDDDDDDDD (1923)
FILE COLLECTION TYPE: TTTT (2024)
FILE CURRENCY: $$$ (2125)
FILE TOTAL DETAIL ITEMS: XX,XXX (2226)
FILE TOTAL $: XX,XXX,XXX,XXX,XXX.XX (2327)
*REPEAT ABOVE FOR EACH FILE DELIVERED
Standard 015
Page 169
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

A ‘NIL’ End-of-Day ICP Transmission Notice shall be produced for each currency type (CAN and
USD) when no ICP Files have been exchanged on a particular cycle date. Below is a sample of
this format:

END-OF-DAY ICP TRANSMISSION NOTICE

DATE: YYYY/MM/DD (1)

TIME: HH:MM:SS (2)
CYCLE DATE: YYYY/MM/DD (3)
SETTLEMENT DATE: YYYY/MM/DD (4)

REGION: EEE (5)

SENDER: SSSSSSSSSSSSSSSSSS (6)
RECEIVER: RRRRRRRRRRRRRRRRRR (7)
COLLECTION TYPE: ZZZ (8)
CURRENCY: CUR (9)
SITE: DDDS (10)

VOLUME/VALUE SUMMARY

GRAND TOTAL FWD

GRAND TOTAL FWD ITEMS: 0 (11)
GRAND TOTAL FWD VALUE$: 0.00 (12)

GRAND TOTAL RTN

GRAND TOTAL RTN ITEMS: 0 (13)
GRAND TOTAL RTN VALUE$: 0.00 (14)

Definition of values listed in the End-of-Day ICP Transmission Notice samples above:

1) DATE: Date of EOD transmission in YYYYMMDD format (i.e. Record Type 01 – Field 6)

2) TIME: Time of EOD transmission in HH:MM:SS format (i.e. Record Type 01 – Field 7)

3) CYCLE DATE: ACSS/USBE Cycle Date (i.e. Record Type 10 – Field 5)

4) SETTLEMENT DATE: ACSS/USBE Settlement Date in YYYYMMDD format.

5) REGION: Regional or Bulk Exchange Point - Region associated with Standard 015 Part C Sec 7.2
Positions 9-11 (REG) of the ANSI X9 File Naming Convention.

6) SENDER: Delivering Direct Clearer (i.e. Record Type 01 – Field 10)

Standard 015
Page 170
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

7) RECEIVER: Receiving Direct Clearer (i.e. Record Type 01 – Field 09)

8) COLLECTION TYPE: FWD, RTN, or F/R to identify whether the EOD Notice is for Forward
Presentment, Returns, or both.

9) CURRENCY: CAD or USD to identify whether the EOD Notice is for Canadian Dollar files, US Dollar
files.

10) SITE: Indicates the logical or physical site from which the delivery of the files takes place. Primary
Site will be 0; Multiple Site processors will use 1-9.

VOLUME/VALUE SUMMARY

11) GRAND TOTAL FWD ITEMS: cumulative total volume of all ICP Items delivered on cycle date
as associated with Record Type 99, Field 04 – Total Item Count for all of the FWD files listed.

12) GRAND TOTAL FWD VALUE$: cumulative total value of all ICP Items delivered on cycle date
as associated with Record Type 99, Field 05 – File Total Amount for all of the FWD files listed.

13) GRAND TOTAL RTN ITEMS: cumulative total volume of all ICP Items returned on cycle date
as associated with Record Type 99, Field 04 – Total Item Count for all of the RTN files listed.

14) GRAND TOTAL RTN VALUE$: cumulative total value of all ICP Items returned on cycle date as
associated with Record Type 99, Field 05 – File Total Amount for all of the RTN files listed.

FILE LEVEL DETAILS LIST*

15) FILE TRANSMISSION NAME: as associated with each of the ICP files delivered in
accordance with Standard 015: Part C – Section 7.2

16) FILE CREATION DATE: as associated to the ANSI Standard X9.100-187 Record Type 01,
Field 06

17) FILE CREATION TIME: as associated to the ANSI Standard X9.100-187 Record Type 01,
Field 07

18) FILE ORIGIN ROUTING NUMBER: as associated to the ANSI Standard X9.100-187 Record
Type 01, Field 05
Standard 015
Page 171
Standard 015 – Companion Document to the ANSI X9.100-187-2008, “Specifications for Electronic
Exchange of Check and Image Data”
PART C – PROCEDURES SPECIFIC TO ICP IN CANADA

19) FILE DEST ROUTING NUMBER: as associated to the ANSI Standard X9.100-187 Record
Type 01, Field 04

20) FILE COLLECTION TYPE: will be ICP1 for Forward Presentment or ICP3 for Returns

21) FILE CURRENCY: will be CAD for Canadian Dollar values or USD for U. S. Dollar values

22) FILE TOTAL DETAIL ITEMS: as associated to ANSI Standard X9.100-187 Record Type 99,
Field 04

23) FILE TOTAL $: as associated to ANSI Standard X9.100-187 Record Type 99, Field 05

*REPEATED FOR EACH FILE DELIVERED

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