Resources

1. What is Check 21 ?
2. What is X9.37-2003 ?
3. What is X9.100-180-2006?
4. What is X9.100-181 ?
5. What is Universal Companion Document (UCD) ?
6. What is DSTU X9.37- 2003 standard Image Cash Letter file of FRB?
7. What is X9.100-187-2008?
8. What is X9.100-187-2008-UCD?
9. Do you have product support all these standards ?
10. Why do you choose XEditor?
11. X9.37 Resources
12. Our Valued Customers & Users . . .

1. What is Check 21 ?

The Check Clearing for the 21st Century Act (Check 21) became law on October 28, 2004. Check 21 provides banks the ability to accept and handle Image Replacement Document(IRD), which should make check processing faster and more efficient, reduce shipping and labor costs and increase protection from fraud.

2. What is X9.37 ?

X9.37 is the standard format used in electronic check exchange. It addresses the file sequences, record types, field formats, data and image compression, encryption and data representation. It does not defines operational, implementation, or settlement issues.

X9.37 went into effect on October 28, 2004 with the Check Clearing for the 21st Century Act. X9.100-180 went into effect on April 15, 2006.

3. What is X9.100-180-2006 ?

X9.100-180 establishes the file sequences, record types and field formats to be used for the electronic exchange of check MICR line data, associated check processing data, check images and optional user information in the form of cash letters. This standard does not address operational, implementation or settlement issues. These issues may include, but are not limited to, a choice of: data and image compression, encryption, and transmission specifications and data representation.

4. What is X9.100-181 ?

TIFF 6.0 acts as an image format scheme used between exchange financial institutions. However, TIFF is very flexible and is designed to accommodate a variety of uses. This flexibility can cause applications to experience problems.

The ANS X9.100-181 standard defines the most commonly supported and least problematic uses of TIFF fields and their values for the exchange of images. This standard does not change TIFF standard and only address G4 bilevel image (black/white) compressions within the TIFF 6.0. The ANS X9.100-181 standard helps efficient interoperable check image exchange among financial institutions.

5. What is Universal Companion Document (UCD) ?

Universal Companion Document (UCD) is a standard industry practice for using the DSTU X9.37-2003 standard to exchange ICL files. This document clarifies how financial institutions should use the standard to ensure all necessary and appropriate payment data is exchanged between collecting and paying institutions. All image exchange participants will obtain, use and adhere to the record and field usage definitions detailed in the DSTU X9.37-2003 standard.

6. What is DSTU X9.37- 2003 standard Image Cash Letter files of FRB ?

Please refer to the Image Cash Letter Customer Documentation of Federal Reserve Banks (FRB) which Describes how the DSTU X9.37- 2003 standard is used when a depository institution sends an image cash letter file as a deposit to the Federal Reserve Bank, or when the Federal Reserve Bank transfers, presents or returns an image cash letter file to a depository institution.

XEditor provides an option to validate X9.37 ICL file according the FRB ICL Customer Document.

7. What is X9.100-187-2008 ?

X9.100-187-2008 replaces the use of DSTU X9.37 and establishes the basis for U.S. check image exchange involving settlement between two financial institutions. It fixes and clarifications identified in various industry companion documents associated with DSTU X9.37. It also establishes requirements and limitations that are compatible with current industry practice. However, this standard maintains flexibility in order to accommodate the needs of different institutions and exchange networks. It does not have the extent of flexibility contained in ANS X9.100-180 and is not intended to cover all types of image exchange.

This standard does not address operational, implementation, or settlement issues. These issues may include, but are not limited to, a choice of: data and image compression, encryption, and transmission specifications and data representation. The informative annexes attached to this standard provide information that may prove useful to those planning to implement the standard.

8. What is X9.100-187-2008-UCD ?

X9.100-187-2008-UCD is a standard industry practice for using the DSTU X9.100-187-2008 standard to exchange ICL files. The purpose of this document is to formalize an industry standard for check image exchange using the ANS X9.100-187-2008 standard format and a compilation of industry best practices. The document is formatted similar to the earlier edition of ¡®Image Exchange Companion Document¡¯ that accompanied DSTU X9.37-2003. It details each record that is deemed to have critical payment data and lists all associated fields contained in ANS X9.100-187-2008. Two additional pieces of data not included in the ANS X9.100-187-2008 standard are also included.

9. Do you have product support all these standards ?

XEditor is our product that allows to view, analyze, validate, edit and print the contents of X9 Image Cash Letter files. It can support :

• DSTU X9.37-2003
• DSTU X9.37-2003 - FRB
• X9.100-180-2006
• X9.100-180-2006 TECP
• Universal Companion Document(UCD)
• X9.100-187-2008
• X9.100-187-2008-UCD
• X9.100-181 (Check Image Validation)

• Free version - free to use
• Validator version - license required
• Editor version - license required
  

DigerTech also provides two SDKs to process Image Cash Letter (ICL) file and validate TIFF image data:

• FileProcessingSDK can read the records from the ICL file. Implement the ReaderInterface to receive the records reading from the ICL file. It also support creating ICL records and writing records to a new file
• ImageValidationSDK checks or validates the image data whether it is confirmed to the X9.100-181 standard

10. Why do you choose XEditor ?

• High Quality
• Better performance, especially for large files
• No item limitation for all licenses
• Half price to own two products: X9.37 viewer/editor & X9.37 Image Qualifier (X9.180-181)
• Support all kind of Image Cash Letter file formats
  

11. X9.37 Resources

• X9.37-2003 DSTU standard of FRB (Federal Reserve Bank)
• Universal Companion Document (UCD)
• Industry Adoption of X9.100-187-2008 (UCD)
• TIFF 6.0
  

12. Our Valued Customers & Users . . .

• 3i Infotech
  AEChecking
  Avidia Bank
  Bank of America
  Best Inc
  Benchmark Community Bank
  California Treasurer
  Carter Bank & Trust
  Cash Express
  Catch21
  CMA Small Systems AB
  Commonwealth National Bank
  Connexus Credit Union
  eCache
  EFT Network, Inc
  ESL Federal Credit Union
  F&M Bank
  Farm Bureau Bank
  Federal Reserve Bank
  FHH Investments
  Finxera
  First Merchants Bank
  First National Bank
  First Data Corporation
  Frost Bank
  Genisys Credit Union
  Gulf Management Systems
  Harvard State Bank
  HCSB
  Hyland Software Inc
  ImageSoft, Inc.
  ING Direct
  Insight Credit Union
  InstaMed
  Jack Henry & Associates, Inc.
  JP Morgan Chase
  Lawrence Technological University
  LendingTools
  Lighthouse Financial Services
  Member Driven Technologies
  Mentor Consultants, Inc
  Merit Medical
  Mountain National Bank
  Mutual Savings Bank
  Nantucket Bank
  National Payment Provider
  PAYTEK Solutions
  PayLease
  ProfitStart
  Retail Lockbox, Inc
  Sabadell United Bank
  Seacoast Bank
  Select Global
  Smart Housing
  SQN Banking systems
  Software Earnings
  Social Security Admin
  Stretto
  Suncorp Corp
  TCF National Bank
  Transmodus
  Thrivent Financial Bank
  United Financial Services
  United Bankers' Bank
  VERO INC
  Viamericas Corp
  Wausau Financial Systems
  Wescom Resources Group