Check Image

Image Resources

White Paper: Additional Issues Regarding Possible Duplicate Payment of Check Items – Duplicates continue to be a challenge for the banking industry. This paper addresses certain issues associated with duplicate presentment of check images.
Return Decision Hierarchy; ECCHO^TM is pleased to announce that an update has been approved to the ECCHO^TM Rules that establishes the industry best practice for the routing of unpaid check image returns. This rule change will become effective December 1, 2008 and can be found in Section XX(D) of the ECCHO^TM rules.
Check out CheckImage Central; a one stop shop for industry information about check image clearing.
The Role of Private Sector Rules and Federal Reserve System Rules in Check Image Exchanges: prepared by the CheckImage Collaborative, February 12, 2008.
Use of Check Images By Customers of Financial Institutions: This document provides an overview of the acceptance and use of check images by customers of financial institutions. Discussion covers issues under the Check 21 Act and other federal and state laws.
TIFF Tag Discussion Summary: This documents the discussion by the CheckImage Collaborative Legal Work Group on issues relating to uses and changes of TIFF Tags.
Checkpoint CD: Industry Perspectives on Check Image Exchange. You may download the video now. We recommend you use the latest version of To download Windows Media free of charge click here.
Missing Image Paper Replacement: This documents a process that may be used when the original paper check and check image is not available for clearing.
Banking Practices Agreement (BPA) (The ECCHO^TM Rules are a national rule set that provide the legal framework for check image exchange. Exchange partners must still agree to the operational aspects of the exchange and may do so through an agreement as illustrated here. This document represents a sample agreement only. Financial institutions considering an exchange agreement should consult legal counsel before executing such agreement. For a general checklist of operational considerations for such an agreement, please click here.)

ECP Resources

While the traditional ECP process has been discontinued, these resources may still have some applicability to image exchange:

ECP: Reducing Write-Offs
ECP 101: The Basics (You may download this document now, or you can contact us by e-mail or by calling (214) 273-3200.)
Electronic Check Presentment: An Introduction (Published by the American Bankers Association to order, call (800) 338-0626 or visit ABA's web site.)
A Guide to ECP Accounting Principals (Published by the New York Clearing House to order, call Susan Long (212) 612-9309.)
ECCHO Destroyed Check Guidelines (You may download this document now.)
White Paper: Commingling ECP Processing (The Electronic Check Clearing House Organization (ECCHO^TM) through its Operations Committee formed a Commingling Subcommittee that investigated the concept of commingling in an ECP environment. After studying the concept, the Committee determined that commingling is primarily a hardware, software and procedural issue. The ECCHO^TM members feel this sharing of information will benefit interested parties as well as the members, as the industry begins to develop commingled ECP processing. This document is designed to describe the issues associated with commingling in an ECP environment and not necessarily provide definitive solutions to those issues. You may download this document now.)

You can contact us by e-mail at info@eccho.org or by calling (214) 273-3200.