Rule 9 in a nutshell:”Rule 9” is a common industry reference for an ECCHO Rule outlined in Section XIX(O) regarding Forged and Counterfeit Check Warranties for image-based transactions. It allows financial institutions who legally exchange under the ECCHO Rules as members or participants to make a claim for a forged or counterfeit check after the midnight deadline. All ECCHO Member financial institutions and licensed entity participants are automatically subject to Rule 9 although there is an opt out provision.
Institutions in Active Opt Out Status DISCLAIMER: Some exchanges may mandate Rule 9 despite Opt Out. Please check with processor on application of Rule 9 through their exchange.
Note: Rule 9 opt outs are on an institution-wide basis.
All RTs for an institution are opted out, although only the primary routing number is listed.
Routing Transit Number
Citizens National Bank of Texas
First Midwest Bank
First National Bank of Omaha
First National Bank of Illinois
HSBC Bank, U.S.A.
MB Financial Bank
MUFG Union Bank N.A.
The Bank of New York Mellon
Woodforest National Bank
Institutions where Opt Out has been Rescinded – Now Actively Using Rule 9
Routing Transit Number
Cancellation of Opt Out Effective Date
Suncoast Schools FCU
Opt Out Details
A Financial Institution may opt-out of the rule for all exchanges subject to the ECCHORules. However, the Financial Institution may not opt-out if it is subject to another agreement that makes the rule mandatory (e.g. another clearing house rule).
Opt out submitted before the 21st of the month is effective the next following month; an opt out occurring after the 21st will be effective the first of the month following the next month. Exception: An opt-out election can be effective immediately with the activation of an initial ECCHO membership. Cancel Opt Out: 6 months restriction on re-electing opt out.
If your financial institution is seeking to opt-out (or cancel opt-out), please:
The opt-out election must be made by an authorized representative that is also an officer of the Financial Institution
ECCHO Full, Associate or Participating Member – Email request to Elizabeth Westbrook (email@example.com)
ECCHO Sponsored Member – notify your Sponsoring Organization
Licensed Entity Participant (TCH Participant that is not an ECCHO (member) – notify TCH
When accepted, originating authorized representative will receive a confirmation via email with the opt-out effective date (or cancel opt-out)