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#2111943 - 12/22/16 08:10 PM Duplicate Check Presentment
Complycated Offline
100 Club
Joined: Aug 2013
Posts: 164
A business customer just notified us that the same check cleared from their account in July of 2015 and again in November 2016. Are we able to return the check at this point or are we on the hook for reimbursing the customer?

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Deposits and Payments
#2112263 - 12/27/16 09:05 PM Re: Duplicate Check Presentment Complycated
Ric30 Offline
100 Club
Joined: Apr 2005
Posts: 186
IN
You can try submitting a PAID adjustment case.

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#2112285 - 12/28/16 02:00 PM Re: Duplicate Check Presentment Complycated
John Burnett Offline
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John Burnett
Joined: Oct 2000
Posts: 39,858
Cape Cod
Ric30's recommendation is a good one if the check was received in a FRB cash letter in November, or if you received it from a check clearinghouse association that has a similar adjustment procedure for duplicate payments.
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John S. Burnett
BankersOnline.com
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#2112762 - 12/30/16 09:09 PM Re: Duplicate Check Presentment Complycated
madukes Offline
Diamond Poster
madukes
Joined: Jul 2009
Posts: 1,448
Flyers Country
You cannot return it but you can submit a PAID case through the fed. The only information you need for the first presentment is the date, sequence # and the sending and receiving ABAs.

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#2119861 - 02/28/17 07:52 PM Re: Duplicate Check Presentment Complycated
elebra Offline
100 Club
Joined: Apr 2009
Posts: 106
What is the time limit in this type of case for reimbursing the customer?

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#2119863 - 02/28/17 08:07 PM Re: Duplicate Check Presentment Complycated
John Burnett Offline
10K Club
John Burnett
Joined: Oct 2000
Posts: 39,858
Cape Cod
There is none set out in the UCC. Fairness suggests that you reimburse your customer as soon as you are reimbursed by the Fed.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8

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