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Financial Services
Check
Check Services
The Federal Reserve Financial Services (FRFS) Check Services suite offers financial institutions a variety of electronic
and paper check processing options based on deposit deadlines, level of sorting and credit availability.
Check Processing Services
Check 21-Enabled Services
Allows financial institutions to send and receive image cash letters (ICLs) electronically.
Paper Check Clearing
Allows financial institutions to deposit paper check items.
International Check Clearing
Foreign and Canadian Check Clearing Service for  checks drawn on depository institutions outside of the Federal Reserve System.
Check Adjustments Service
Check Adjustments
Quickly resolve debit or credit settlement discrepancies on checks processed by the Federal Reserve Banks.
Check Monitoring and Reporting Services
Offers several reporting services to financial institutions processing checks through the Federal Reserve System.
FedDetect® Duplicate Check Notification
Provides early notice of potential duplicate checks, allowing banks of first deposit (BOFDs) to take appropriate action.
FedPayments® Reporter Service for Check Services
Helps financial institutions manage check processing operations and provides more time to review checks for potential alterations and suspicious endorsements.
Accelerated Image Returns Delivery Service
Provides an early view of incoming returns to help address the risk of releasing funds before a returned item is received.
Frequently Asked Questions
What types of financial institutions can enroll in Check Services?
Federal Reserve Financial Services (FRFS) products are available to any size financial institution located in the United States. Only financial institutions, or agents acting on behalf of a financial institution, are eligible to connect to FRFS payment rails.
Financial institutions include, but are not limited to, commercial banks, credit unions and savings associations.
Agents acting on behalf of a financial institution include, but are not limited to, payment processors, core banking providers, clearinghouses, fintechs and other service providers.
What are the fees?
FRFS offers transparent pricing structures. Please view the FedLine Solutions Fee Schedule and the Check Services Fee Schedule for detailed pricing breakdowns.
How do I get set up?
For current FedLine customers, please visit the Current Financial Services Customer Service Setup page.
For new customers, please visit the New Financial Services Customer Setup page.
For payment processors and third-party service providers, please visit the Payment Processors and Third-Party Service Providers – Set Up Services and Access page.
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