Answer:
The method of making your recovery depends on how the RCCs reached your bank for payment. If they came via the Fed, you'll follow the check adjustment claims procedures published by the Fed's Check Services. If they arrive via a different clearing arrangement, follow the rules of your clearinghouse.
If neither of those applies or if you've gone past the deadline for using those methods, you make the claim directly against the depositary bank just as you would if you were making a claim for breach of presentation and transfer warranties under UCC §§4-207 and 4-208, except that your claim will be for a breach of transfer and presentment warranties for a remotely created check under §229.34(d) (breached before July 1, 2018) or §229.34(b) (breaches on or after July 1, 2018) of Federal Reserve Board Regulation CC .
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