Return Processing.  Complete automation of the NSF and Exception item processing operation is provided by C21Express.  Officers and other personnel can review each check indicating whether the check is to be paid or returned.  NSF check images can be sorted by account number, officer, or amount, and users can select only the accounts assigned to their unique officer ID.  The NSF charge can be changed during  processing, and every customer NSF notice includes an image of the check.  Providing the image helps to reduce the number of questions from customers as to the information about paid or returned checks.  Cumbersome methods of handling large dollar items, stop payment suspects, items requiring two signatures, and items requiring an endorsement review are consolidated into one simple process that is combined with NSF prrocessing. 

All of the necessary information for returns is entered during the process (Return Reason, Bank of First Deposit, etc.).  This information is used to generate the electronic Return Item cash letter in X9.37 format for submission to the Federal Reserve Bank or another correspondent bank.  Upon completion of the day’s work, management reports are generated to help operators balance the day’s return item activity, check for errors in the return item image cash letter, and create totals to compare after the image cash letter is submitted.

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Last Updated: January, 2008.

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