In the "good old days," most charged-back checks were sent back with the notice of charge, and the reason for the return, etc., was explained on the check. But with image-based check clearing and charge-backs, the reason for a return is often found in the return item data file, separated from the check image, so sending a copy of the image may not provide the same information customers used to get. To be helpful, then, you'd have to extract and interpret the reason code from that data. If you're working with an advice of charge-back from the paying bank in lieu or advance of actual check or image return, you can include information from the advice.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8