github.com/moov-io/imagecashletter@v0.10.1/docs/file-structure.md (about) 1 --- 2 layout: page 3 title: File structure 4 hide_hero: true 5 show_sidebar: false 6 menubar: docs-menu 7 --- 8 9 ## Record types 10 11 The chart below shows the record differences among standards we currently support: 12 13 | Record Name | Type | X9.37 | X9.100-187-2008 | X9.100-187-2013/2016 | 14 |-------------------------|------|-------|-----------------|-----------------| 15 | File Header | 01 | ✔️ | ✔️ | ✔️ | 16 | Cash Letter Header | 10 | ✔️ | ✔️ | ✔️ | 17 | Bundle Header | 20 | ✔️ | ✔️ | ✔️ | 18 | Check Detail | 25 | ✔️ | ✔️ | ✔️ | 19 | Check Detail Addendum A | 26 | ✔️ | ✔️ | ✔️ | 20 | Check Detail Addendum B | 27 | | | ✔️ | 21 | Check Detail Addendum C | 28 | ✔️ | ✔️ | ✔️ | 22 | Return | 31 | ✔️ | ✔️ | ✔️ | 23 | Return Addendum A | 32 | ✔️ | ✔️ | ✔️ | 24 | Return Addendum B | 33 | ✔️ | ✔️ | ✔️ | 25 | Return Addendum C | 34 | | | ✔️ | 26 | Return Addendum D | 35 | ✔️ | ✔️ | ✔️ | 27 | Account Totals Detail | 40 | | | | 28 | Non-Hit Totals Detail | 41 | | | | 29 | Image View Detail | 50 | ✔️ | ✔️ | ✔️ | 30 | Image View Data | 52 | ✔️ | ✔️ | ✔️ | 31 | Image View Analysis | 54 | ✔️ | ✔️ | ✔️ | 32 | Credit/Reconciliation | 61 | | | | 33 | Credit | 62 | | | ✔️ | 34 | User | 68 | | | ✔️ | 35 | Bundle Control | 70 | ✔️ | ✔️ | ✔️ | 36 | Box Summary | 75 | | | | 37 | Routing Number Summary | 85 | | | ✔️ | 38 | Cash Letter Control | 90 | ✔️ | ✔️ | ✔️ | 39 | File Control | 99 | ✔️ | ✔️ | ✔️ | 40 41 File Header (01), File Control (99), Cash Letter Header (10), and Cash Letter Control (90) records are mandatory. For each bundle that exists, Bundle Header (20) and Bundle Control (70) records are mandatory. 42 43 ## Data types 44 45 The following data types are from X9.100-187-2013/2016 and may be defined differently in earlier versions. 46 47 ### Alphabetic (A) 48 The alphabetic characters are the upper case letters A through Z; the lower case letters a through z, and the blank (space) character. When lower case letters are used, they shall be interpreted to have the same meaning as their respective upper case letters, e.g., no distinction shall be made between the upper case letter A and the lower case letter a. 49 50 ### Numeric (N) 51 The numeric characters are the numbers zero (0) through nine (9). 52 53 ### Blank (B) 54 The blank character is defined in ASCII with the hexadecimal value ‘20’ and in EBCDIC with the hexadecimal value ‘40’; also referred to as a space. 55 56 ### Special characters (S) 57 Special characters are any of the printable characters listed in the table below: 58 59 | Special Printable | Character ASCII hex | EBCDIC hex | 60 | :---: | :---: | :---: | 61 | ! | 21 | 5A | 62 | " | 22 | 7F | 63 | # | 23 | 7B | 64 | $ | 24 | 5B | 65 | % | 25 | 6C | 66 | & | 26 | 50 | 67 | ' | 27 | 7D | 68 | ( | 28 | 4D | 69 | ) | 29 | 5D | 70 | * | 2A | 5C | 71 | + | 2B | 4E | 72 | , | 2C | 6B | 73 | - | 2D | 60 | 74 | . | 2E | 4B | 75 | / | 2F | 61 | 76 | : | 3A | 7A | 77 | ; | 3B | 5E | 78 | < | 3C | 4C | 79 | = | 3D | 7E | 80 | > | 3E | 6E | 81 | ? | 3F | 6F | 82 | @ | 40 | 7C | 83 | [ | 5B | BA | 84 | \ | 5C | E0 | 85 | ] | 5D | BB | 86 | ^ | 5E | B0 | 87 | _ | 5F | 6D | 88 | ` | 60 | 79 | 89 | { | 7B | C0 | 90 | Bar | 7C | 4F | 91 | } | 7D | D0 | 92 | ~ | 7E | A1 | 93 94 ### Alphameric (AN) 95 An alphameric character is any of the alphabetic or numeric characters. 96 97 ### Alphameric/special (ANS) 98 An Alphameric/special character is any one of the alphabetic, numeric, or special characters. 99 100 ### Numericblank (NB) 101 A numericblank character is any one of the numeric characters or the blank character. Blanks shall not be embedded within the numeric digits. Blanks may be used only to fill out a field when the numeric value length is shorter than the actual field length. Leading zeros may be present but shall not be removed or added. Numericblank fields, when present, shall contain at least one numeric character and shall not be all blanks. 102 103 ### Numeric/special (NS) 104 A numeric/special is any one of the numeric characters or special characters. 105 106 ### Binary 107 The binary data type is composed of a sequence of bytes where each byte ranges in value from binary 00000000 to 11111111 (8-bit encoding). The syntax, semantics, and number of bytes in the string are specified in the standard for each occurrence of the binary data type. 108 109 ### Special MICR line data types 110 111 The MICR line on a check is composed of a series of symbols. The MICR symbols for numbers shall be represented by the numeric values zero (0) through nine (9). 112 113 However, the MICR symbols for delineation of data on the MICR line do not have any graphic equivalents. Therefore, certain special characters shall be used to interpret these MICR symbols. These special characters shall have these special meanings only when used in fields directly read from the MICR line. When these same special characters are used elsewhere in other fields they shall represent their actual value. 114 115 **Asterisk (*)**: The asterisk character shall be used to represent the presence of MICR when the processing system cannot interpret the MICR as a specific valid MICR character. 116 117 **Dash (-)**: The dash character shall be used to represent the presence of the MICR symbol for a dash. 118 119 **Forward slash (/)**: The forward slash character shall be used to represent the presence of the MICR symbol for ‘On-Us’. 120 121 **Numericblank/special MICR (NBSM)**: A numericblank/special MICR character is any one of the numeric characters, the blank character, the dash character, or asterisk character. 122 123 **Numericblank/special MICR On-Us (NBSMOS)**: A numericblank/special MICR On-Us character is any one of the numeric characters, the blank character, the asterisk character, the dash character, or the forward slash character. 124 125 ## Other Terminology 126 127 ### Fill data 128 Fill data are any characters used to fill up unused bytes in a field. Fill characters shall be blanks or zeros. 129 130 ### Data justification 131 Justification is the act of aligning data as it is placed into a field, based on its right or leftmost character. 132 133 ### Right justification 134 A field is right justified when the data is aligned based on its rightmost character. 135 136 ### Left justification 137 A field is left justified when the data is aligned based on its leftmost character. 138 139 140 ## Field Format 141 142 The following shall apply to all fields on all records in the standard: 143 144 * A field defined as alphameric (AN), alphabetic (A), Alphameric/special (ANS), or numericblank (NB) shall be left justified and blank filled. 145 146 * A field defined as numeric (N) shall be right justified and zero filled 147 148 * A field defined as numericblank/special MICR (NBSM) or numericblank/special MICR On-Us (NBSMOS) shall be right justified and blank filled 149 150 * A field defined as numeric/special (NS) shall be left justified and blank filled. 151 152 * A field defined as special (S) shall be left justified and blank filled. 153 154 * If a field is mandatory or conditional and not blank, and has predefined values, it shall contain one of these predefined values or it is invalid. 155 156 * If a field is conditional and not used then it shall contain all blanks regardless of the data type. 157 158 * Fixed length fields that are conditional and are not used shall be filled with Blanks. Variable length 159 fields that are not used (i.e. size =0) are omitted. 160 161 ### Amount Fields 162 163 All amounts fields have two implied decimal points, e.g., $1,234.67 is entered as 0000123467. 164 165 ### User Fields 166 167 Most records of the file provide for User Fields. Users of the standard utilize these fields at their discretion. The standard does not define particular uses for, or the internal contents of, these fields. In many cases, the user fields within the records are more than one character in length. Users are free to use the field as a single field or divide it into multiple fields. 168 169 ## Annotated Image Cash Letter Record Formats 170 171 The following record formats are from X9.100-187-2013/2016. 172 173 M - Mandatory, C - Conditional 174 175 ### 01 File Header Record 176 177 | Field | Position | Size | Type | Field Name | Usage - M, C | 178 | :---: | :---: | :---: | :---: | :--- | :---: | 179 | *1* | 01–02 | 2 | N | Record Type | M | 180 | *2* | 03–04 | 2 | N | Standard Level | M | 181 | *3* | 05–05 | 1 | A | Test File Indicator | M | 182 | *4* | 06–14 | 9 | N | Immediate Destination Routing Number | M | 183 | *5* | 15-23 | 9 | N | Immediate Origin Routing Number | M| 184 | *6* | 24–31 | 8 | N | File Creation Date | M | 185 | *7* | 32–35 | 4 | N | File Creation Time | M | 186 | *8* | 36–36 | 1 | A | Resend Indicator | M | 187 | *9* | 37–54 | 18 | ANS | Immediate Destination Name | C | 188 | *10* | 55–72 | 18 | ANS | Immediate Origin Name | C | 189 | *11* | 73–73 | 1 | AN | File ID Modifier | C| 190 | *12* | 74–75 | 2 | A | Country Code | C | 191 | *13* | 76–79 | 4 | ANS | User Field | C | 192 | *14* | 80-80 | 1 | AN | Companion Document Indicator | C | 193 194 195 ### 10 Cash Letter Header Record 196 197 | Field | Position | Size | Type | Field Name | Usage - M, C | 198 | :---: | :---: | :---: | :---: | :--- | :---: | 199 | *1* | 01–02 | 2 | N | Record Type | M | 200 | *2* | 03–04 | 2 | N | Collection Type Indicator | M | 201 | *3* | 05–13 | 9 | N | Destination Routing Number | M | 202 | *4* | 14–22 | 9 | N | ECE Institution Routing Number | M | 203 | *5* | 23-30 | 8 | N | Cash Letter Business Date | M| 204 | *6* | 31–38 | 8 | N | Cash Letter Creation Date | M | 205 | *7* | 39-42 | 4 | N | Cash Letter Creation Time | M | 206 | *8* | 43-43 | 1 | A | Cash Letter Record Type Indicator | M | 207 | *9* | 44–44 | 1 | AN | Cash Letter Documentation Type Indicator | C | 208 | *10* | 45-52 | 8 | AN | Cash Letter ID | M | 209 | *11* | 53-66 | 14 | ANS | Originator Contact Name | C| 210 | *12* | 67-76 | 10 | N | Originator Contact Phone Number | C | 211 | *13* | 77-77 | 1 | AN | Fed Work Type | C | 212 | *14* | 78-78 | 1 | A | Returns Indicator | M | 213 | *15* | 79-79 | 1 | ANS | User Field | C | 214 | *16* | 80-80 | 1 | B | Reserved | M | 215 216 217 ### 20 Bundle Header Record 218 219 | Field | Position | Size | Type | Field Name | Usage - M, C | 220 | :---: | :---: | :---: | :---: | :--- | :---: | 221 | *1* | 01–02 | 2 | N | Record Type | M | 222 | *2* | 03–04 | 2 | N | Collection Type Indicator | M | 223 | *3* | 05–13 | 9 | N | Destination Routing Number | M | 224 | *4* | 14–22 | 9 | N | ECE Institution Routing Number | M | 225 | *5* | 23–30 | 8 | N | Bundle Business Date | M | 226 | *6* | 31–38 | 8 | N | Bundle Creation Date | M | 227 | *7* | 39–48 | 10 | AN | Bundle ID | C | 228 | *8* | 49–52 | 4 | NB | Bundle Sequence Number | C | 229 | *9* | 53–54 | 2 | AN |Cycle Number | C | 230 | *10* | 55–63 | 9 | B | Reserved | M | 231 | *11* | 64–68 | 5 | ANS | User Field | C | 232 | *12* | 69–80 | 12 | B | Reserved | M | 233 234 235 ### 25 Check Detail Record 236 237 | Field | Position | Size | Type | Field Name | Usage - M, C | 238 | :---: | :---: | :---: | :---: | :--- | :---: | 239 | *1* | 01–02 | 2 | N | Record Type | M | 240 | *2* | 03–17 | 15 | NBSM | Auxiliary On-Us | C | 241 | *3* | 18–18 | 1 | NS | External Processing Code | C | 242 | *4* | 19–26 | 8 | N | Payor Bank Routing Number | M | 243 | *5* | 27–27 | 1 | N | Payor Bank Routing Number Check Digit | M | 244 | *6* | 28–47 | 20 | NBSMOS | On-Us | C | 245 | *7* | 48–57 | 10 | N | Item Amount | M | 246 | *8* | 58–72 | 15 | NB | ECE Institution Item Sequence Number | M | 247 | *9* | 73–73 | 1 | AN | Documentation Type Indicator | C | 248 | *10* | 74–74 | 1 | AN | Return Acceptance Indicator | C | 249 | *11* | 75–75 | 1 | N | MICR Valid Indicator | C | 250 | *12* | 76–76 | 1 | A | BOFD Indicator | M | 251 | *13* | 77–78 | 2 | N | Check Detail Record Addendum Count | M | 252 | *14* | 79–79 | 1 | N | Correction Indicator | C | 253 | *15* | 80-80 | 1 | AN | Archive Type Indicator | C | 254 255 256 ### 26 Check Detail Addendum A Record 257 258 | Field | Position | Size | Type | Field Name | Usage - M, C | 259 | :---: | :---: | :---: | :---: | :--- | :---: | 260 | *1* | 01–02 | 2 | N | Record Type | M | 261 | *2* | 03–03 | 1 | N | Check Detail Addendum A Record Number | M | 262 | *3* | 04–12 | 9 | N | Return Location Routing Number | M | 263 | *4* | 13–20 | 8 | N | BOFD / Endorsement Date | M | 264 | *5* | 21–35 | 15 | NB | BOFD Item Sequence Number | C | 265 | *6* | 36–53 | 18 | ANS | Deposit Account Number at BOFD | C | 266 | *7* | 54–58 | 5 | ANS | BOFD Deposit Branch | C | 267 | *8* | 59–73 | 15 | ANS | Payee Name | C | 268 | *9* | 74-74 | 1 | A | Truncation Indicator | M | 269 | *10* | 75-75 | 1 | AN | BOFD Conversion Indicator | C | 270 | *11* | 76-76 | 1 | N | BOFD Correction Indicator | C | 271 | *12* | 77-77 | 1 | ANS | User Field | C | 272 | *13* | 78-80 | 3 | B | Reserved | M | 273 274 275 ### 27 Check Detail Addendum B Record 276 277 | Field | Position | Size | Type | Field Name | Usage - M, C | 278 | :---: | :---: | :---: | :---: | :--- | :---: | 279 | *1* | 01-02 | 2 | N | Record Type | M | 280 | *2* | 03–03 | 1 | N | Image Reference Key Indicator | M | 281 | *3* | 04–18 | 15 | NB | Microfilm Archive Sequence Number| C | 282 | *4* | 19–22 | 4 | N | Length of Image Reference Key | M | 283 | *5* | 23–(22+X) | Variable X: X = value in Length of Image Reference Key | ANS | Image Reference Key | C | 284 | *6* | (23+X)–(37+X) | 15 | ANS | Description | C | 285 | *7* | (38+X)–(41+X) | 4 | ANS | User Field | C | 286 | *8* | (42+X)–(46+X) | 5 | B | Reserved | M | 287 288 289 ### 28 Check Detail Addendum C Record 290 291 | Field | Position | Size | Type | Field Name | Usage - M, C | 292 | :---: | :---: | :---: | :---: | :--- | :---: | 293 | *1* | 01–02 | 2 | N | Record Type | M | 294 | *2* | 03–04 | 2 | N | Check Detail Addendum C Record Number | M | 295 | *3* | 05–13 | 8 | N | Endorsing Bank Routing Number | M | 296 | *4* | 14–21 | 9 | N | BOFD / Endorsement Business Date | M | 297 | *5* | 22–36 | 15 | NB | Endorsing Bank Item Sequence Number | M | 298 | *6* | 37–37 | 1 | A | Truncation Indicator | C | 299 | *7* | 38–38 | 1 | AN | Endorsing Bank Conversion Indicator | C | 300 | *8* | 39–39 | 1 | A | Endorsing Bank Correction Indicator | C | 301 | *9* | 40–40 | 1 | AN | Return Reason | C | 302 | *10* | 41–59 | 19 | ANS | User Field | C | 303 | *11* | 60–60 | 1 | AN | Endorsing Bank Identifier | C | 304 | *12* | 61–80 | 20 | B | Reserved | M | 305 306 307 ### 31 Return Detail Record 308 309 | Field | Position | Size | Type | Field Name | Usage - M, C | 310 | :---: | :---: | :---: | :---: | :--- | :---: | 311 | *1* | 01–02 | 2 | N | Record Type | M | 312 | *2* | 03–10 | 8 | N | Payor Bank Routing Number | M | 313 | *3* | 11-11 | 1 | N | Payor Bank Routing Number Check Digit | M | 314 | *4* | 12–31 | 20 | NBSMOS | On-Us | C | 315 | *5* | 32-41 | 10 | N | Item Amount | M | 316 | *6* | 42-42 | 1 | AN | Return Reason| M | 317 | *7* | 43–44 | 2 | N | Return Record Addendum Count | M | 318 | *8* | 45-45 | 1 | AN | Return Documentation Type Indicator | C | 319 | *9* | 46-53| 8 | N | Forward Bundle Date | C | 320 | *10* | 54–68 | 15 | NB | ECE Institution Item Sequence Number | C | 321 | *11* | 69-69 | 1 | NS | External Processing Code | C | 322 | *12* | 70–70 | 1 | N | Return Notification Indicator | M | 323 | *13* | 71–71 | 2 | AN | Archive Type Indicator | M | 324 | *14* | 72–72 | 1 | N | Number of Times Returned | C | 325 | *15* | 73-80 | 8 | B | Reserved | M | 326 327 328 ### 32 Return Detail Addendum A Record 329 330 | Field | Position | Size | Type | Field Name | Usage - M, C | 331 | :---: | :---: | :---: | :---: | :--- | :---: | 332 | *1* | 01–02 | 2 | N | Record Type | M | 333 | *2* | 03–03 | 1 | N | Return Detail Addendum A Record Number | M | 334 | *3* | 04–12 | 9 | N | Return Location Routing Number | M | 335 | *4* | 13–20 | 8 | N | BOFD / Endorsement Date | M | 336 | *5* | 21–35 | 15 | NB | BOFD Item Sequence Number | C | 337 | *6* | 36–53 | 18 | ANS | Deposit Account Number at BOFD | C | 338 | *7* | 54–58 | 5 | ANS | BOFD Deposit Branch | C | 339 | *8* | 59–73 | 15 | ANS | Payee Name | C | 340 | *9* | 74-74 | 1 | A | Truncation Indicator | M | 341 | *10* | 75-75 | 1 | AN | BOFD Conversion Indicator | C | 342 | *11* | 76-76 | 1 | N | BOFD Correction Indicator | C | 343 | *12* | 77-77 | 1 | ANS | User Field | C | 344 | *13* | 78-80 | 3 | B | Reserved | M | 345 346 347 ### 33 Return Detail Addendum B Record 348 349 | Field | Position | Size | Type | Field Name | Usage - M, C | 350 | :---: | :---: | :---: | :---: | :--- | :---: | 351 | *1* | 01-02 | 2 | N | Record Type | M | 352 | *2* | 03–20 | 18 | N | Payor Bank Name | C | 353 | *3* | 21–35 | 15 | NBSM | Auxiliary On-Us | C | 354 | *4* | 36-50 | 15 | NB | Payor Bank Item Sequence Number | C | 355 | *5* | 51-58 | 8 | N | Payor Bank Business Date | C | 356 | *6* | 59-80 | 15 | ANS | Payor Account Name | C | 357 358 359 ### 34 Return Detail Addendum C Record 360 361 | Field | Position | Size | Type | Field Name | Usage - M, C | 362 | :---: | :---: | :---: | :---: | :--- | :---: | 363 | *1* | 01-02 | 2 | N | Record Type | M | 364 | *2* | 03–03 | 1 | N | Image Reference Key Indicator | M | 365 | *3* | 04–18 | 15 | NB | Microfilm Archive Sequence Number| C | 366 | *4* | 19–22 | 4 | N | Length of Image Reference Key | M | 367 | *5* | 23–(22+X) | Variable X: value in Length of Image Reference Key | ANS | Image Reference Key | C | 368 | *6* | (23+X)–(37+X) | 15 | ANS | Description | C | 369 | *7* | (38+X)–(41+X) | 4 | ANS | User Field | C | 370 | *8* | (42+X)–(46+X) | 5 | B | Reserved | M | 371 372 ### 35 Return Detail Addendum D Record 373 374 | Field | Position | Size | Type | Field Name | Usage - M, C | 375 | :---: | :---: | :---: | :---: | :--- | :---: | 376 | *1* | 01–02 | 2 | N | Record Type | M | 377 | *2* | 03–04 | 1 | N | Return Detail Addendum D Record Number | M | 378 | *3* | 05–13 | 9 | N | Endorsing Bank Routing Number | M | 379 | *4* | 14–21 | 8 | N | BOFD / Endorsement Date | M | 380 | *5* | 22–36 | 15 | NB | Endorsing Bank Sequence Number | M | 381 | *6* | 37–37 | 1 | N | Truncation Indicator | M | 382 | *7* | 38–38 | 1 | AN | Endorsing Bank Conversion Indicator | C | 383 | *8* | 39–39 | 1 | N | Endorsing Bank Correction Indicator | C | 384 | *9* | 40-40 | 1 | AN | Return Reason | AN | 385 | *10* | 41-59 | 1 | ANS | User Field | C | 386 | *11* | 60-60 | 1 | N | Endorsing Bank Identifier | C | 387 | *12* | 61-80 | 20 | B | Reserved | M | 388 389 ### 50 Image View Detail Record 390 391 | Field | Position | Size | Type | Field Name | Usage - M, C | 392 | :---: | :---: | :---: | :---: | :--- | :---: | 393 | *1* | 01–02 | 2 | N | Record Type | M | 394 | *2* | 03–03 | 1 | N | Image Indicator | M | 395 | *3* | 04–12 | 9 | N | Image Creator Routing Number | M | 396 | *4* | 13–20 | 8 | N | Image Creator Date | M | 397 | *5* | 21–22 | 2 | N | Image View Format Indicator | C | 398 | *6* | 23–24 | 2 | N | Image View Compression Algorithm Identifier | C | 399 | *7* | 25–31 | 7 | N | Image View Data Size | C | 400 | *8* | 32–32 | 1 | N | View Side Indicator | M | 401 | *9* | 33–34 | 2 | N | View Descriptor | M | 402 | *10* | 35–35 | 1 | N | Digital Signature Indicator | C| 403 | *11* | 36–37 | 2 | N | Digital Signature Method | C | 404 | *12* | 38–42 | 5 | N | Security Key Size | C | 405 | *13* | 43–49 | 7 | N | Start of Protected Data | C | 406 | *14* | 50–56 | 7 | N | Length of Protected Data | C | 407 | *15* | 57–57 | 1 | N | Image Recreate Indicator | C | 408 | *16* | 58–65 | 8 | ANS | User Field | C | 409 | *17* | 66-66 | 1 | B | Reserved | M | 410 | *18* | 67-67 | 1 | AN | Override Indicator | C | 411 | *19* | 68-80 | 13 | B | Reserved | M | 412 413 414 ### 52 Image View Data Record 415 416 | Field | Position | Size | Type | Field Name | Usage - M, C | 417 | :---: | :---: | :---: | :---: | :--- | :---: | 418 | *1* | 01-02 | 2 | N | Record Type | M | 419 | *2* | 03-11 | 9 | N | ECE Institution Routing Number | M | 420 | *3* | 12-19 | 8 | N | Bundle Business Date | M | 421 | *4* | 20-21 | 2 | AN | Cycle Number | C | 422 | *5* | 22-36 | 15 | NB | ECE Institution Item Sequence Number | C | 423 | *6* | 37-52 | 16 | ANS | Security Originator Name | C | 424 | *7* | 53-68 | 16 | ANS | Security Authenticator Name | C | 425 | *8* | 69-84 | 16 | ANS | Security Key Name | C | 426 | *9* | 85-85 | 1 | NB | Clipping Origin | C | 427 | *10* | 86-89 | 4 | N | Clipping Coordinate h1 | C | 428 | *11* | 90-93 | 4 | N | Clipping Coordinate h2 | C | 429 | *12* | 94-97 | 4 | N | Clipping Coordinate v1 | C | 430 | *13* | 98-101 |4 | N | Clipping Coordinate v2 | C | 431 | *14* | 102-105 |4 | NB | Length of Image Reference Key | C | 432 | *15* | 106-(105+X) | Variable X Length of Image Reference Key |ANS | Image Reference Key | C | 433 | *16* | (106+X) -(110+X) | 5 | NB | Length of Digital Signature | C | 434 | *17* | (111+X) - (110+X+Y) | Variable Y (Length of Digital Signature) | Binary | Digital Signature | C | 435 | *18* | (111+X+Y) - (117+X+Y) | 7 | NB | Length of Image Data | C | 436 | *19* | (118+X+Y) - (117+X+Y+Z) | Variable Z (Length of Image Data) | Binary | Image Data | C | 437 438 ### 54 Image View Analysis Record 439 440 | Field | Position | Size | Type | Field Name | Usage - M, C | 441 | :---: | :---: | :---: | :---: | :--- | :---: | 442 | *1* | 01-02 | 2 | N | Record Type | M | 443 | *2* | 03-03 | 1 | N | Global Image Quality | M | 444 | *3* | 04-04 | 1 | N | Global Image Usability | M | 445 | *4* | 05-05 | 1 | N | Imaging Bank Specific Test | M | 446 | *5* | 06-06 | 1 | N | Partial Image | C | 447 | *6* | 07-07 | 1 | N | Excessive Image Skew | C | 448 | *7* | 08-08 | 1 | N | Piggyback Image | C | 449 | *8* | 09-09 | 1 | N | Too Light Or Too Dark | C | 450 | *9* | 10-10 | 1 | N | Streaks And Or Bands | C | 451 | *10* | 11-11 | 1 | N | Below Minimum Image Size | C | 452 | *11* | 12-12 | 1 | N | Exceeds Maximum Image Size | C | 453 | *12* | 13-25 | 13 | B | Reserved | M | 454 | *13* | 26-26 | 1 | N | Image-Enabled POD | C | 455 | *14* | 27-27 | 1 | N | Source Document Bad | C | 456 | *15* | 28-28 | 1 | N | Date Usability | C | 457 | *16* | 29-29 | 1 | N | Payee Usability | C | 458 | *17* | 30-30 | 1 | N | Convenience Amount Usability | C | 459 | *18* | 31-31 | 1 | N |Amount in Words (Legal Amount) Usability | C | 460 | *19* | 32-32 | 1 | N | Signature Usability | C | 461 | *20* | 33-33 | 1 | N | Payor Name And Address Usability | C | 462 | *21* | 34-34 | 1 | N | MICR Line Usability | C | 463 | *22* | 35-35 | 1 | N | Memo Line Usability | C | 464 | *23* | 36-36 | 1 | N | Payor Bank Name And Address Usability | C | 465 | *24* | 37-37 | 1 | N | Payee Endorsement Usability | C | 466 | *25* | 38-38 | 1 | N | Bank Of First Deposit Endorsement Usability | C | 467 | *26* | 39-39 | 1 | N | Transit Endorsement Usability | C | 468 | *27* | 40-45 | 6 | B |Reserved | M | 469 | *28* | 46-65 | 20 | ANS | User Field | C | 470 | *29* | 66-80 | 15 | B | Reserved | M | 471 472 ### 62 Credit Item Record 473 474 | Field | Position | Size | Type | Field Name | Usage - M, C | 475 | :---: | :---: | :---: | :---: | :--- | :---: | 476 | *1* | 01-02 | 2 | N | Record Type | M | 477 | *2* | 03-17 | 15| NBSM | Auxiliary On-Us | C | 478 | *3* | 18-18 | 1 | NS | External Processing Code | C | 479 | *4* | 19-27 | 9 | N | Posting Bank Routing Number | M | 480 | *5* | 28-47 | 20 | NBSMOS | On-Us | C | 481 | *6* | 48-61 | 14 | N | Item Amount | M | 482 | *7* | 62-76 | 15 | NB | Credit Item Sequence Number | C | 483 | *8* | 77-77 | 1 | AN | Documentation Type Indicator | C | 484 | *9* | 78-78 | 1 | AN | Type of Account Code | C | 485 | *10* | 79-80 | 2 | N | Source of Work Code | C | 486 | *11* | 81-96 | 16 | ANS | User Field | C | 487 | *12* | 97-100 | 4 | B | Reserved | M| 488 489 490 ### 68 User General Format Record 491 492 | Field | Position | Size | Type | Field Name | Usage - M, C | 493 | :---: | :---: | :---: | :---: | :--- | :---: | 494 | *1* | 01-02 | 2 | N | Record Type | M | 495 | *2* | 03-03 | 1 | AN | Owner Identifier Indicator | M | 496 | *3* | 04-12 | 9 | ANS | Owner Identifier | C | 497 | *4* | 13-32 | 20 | ANS | Owner Identifier Modifier | C | 498 | *5* | 33-35 | 3 | AN | User Record Format Type | M | 499 | *6* | 36-38 | 3 | N | Format Type Version Level | M | 500 | *7* | 39-45 | 7 | N| Length of User Data | M | 501 | *8* | 46-(45+X) | X | user Discretion | User Data, X = value in Length of User Data (Field 7) | M | 502 503 ### 68 User Payee Endorsement Record 504 505 | Field | Position | Size | Type | Field Name | Usage - M, C | 506 | :---: | :---: | :---: | :---: | :--- | :---: | 507 | *1* | 01-02 | 2 | N | Record Type | M | 508 | *2* | 03-03 | 1 | AN | Owner Identifier Indicator | M | 509 | *3* | 04-12 | 9 | ANS | Owner Identifier | C | 510 | *4* | 13-32 | 20 | ANS | Owner Identifier Modifier | C | 511 | *5* | 33-35 | 3 | AN | User Record Format Type | M| 512 | *6* | 36-38 | 3 | N | Format Type Version Level | M | 513 | *7* | 39-45 | 7 | N | Length of User Data | M | 514 | *8* | 46-95 | 50 | ANS | Name of Payee | C | 515 | *9* | 96-103 | 8 | NB | Endorsement Date | C | 516 | *10* | 104-112 | 9 | N | Bank Routing Number | C | 517 | *11* | 113-132 | 20 | ANS | Bank Account Number | C | 518 | *12* | 133-152 | 20 | ANS | Customer Identifier | C | 519 | *13* | 153-202 | 50 | ANS | Customer Contact Information | C | 520 | *14* | 203-210 | 8 | ANS | Store / Merchant / Processing Site Number | C | 521 | *15* | 211-235 | 25 | ANS | Internal Control / Sequence Number | C | 522 | *16* | 236-239 | 4 | N | Time | C | 523 | *17* | 240-269 | 30 | ANS | Operator Name/Initials | C | 524 | *18* | 270-274 | 5 | ANS | Operator Number | C | 525 | *19* | 275-304 | 30 | ANS | Manager / Supervisor Name / Initials | C | 526 | *20* | 305-309 | 5 | ANS | Manager / Supervisor Number | C | 527 | *21* | 310-324 | 15 | ANS | Equipment Number | C | 528 | *22* | 325-325 | 1 | AN | Endorsement Indicator | C | 529 | *23* | 326-335| 10 | ANS | User Field | C | 530 531 ### 70 Bundle Control Record 532 533 | Field | Position | Size | Type | Field Name | Usage - M, C | 534 | :---: | :---: | :---: | :---: | :--- | :---: | 535 | *1* | 01–02 | 2 | N | Record Type | M | 536 | *2* | 03–06 | 4 | N | Items Within Bundle Count | M | 537 | *3* | 07–18 | 12 | N | Bundle Total Amount | M | 538 | *4* | 19–30 | 12 | N | MICR Valid Total Amount | C | 539 | *5* | 31–35 | 5 | N | Images within Bundle Count | M | 540 | *6* | 36–55 | 20 | ANS | User Field | C | 541 | *7* | 56–56 | 1 | N | Bundle ID | C | 542 | *8* | 57–80 | 24 | B | Bundle Sequence Number | M | 543 544 545 ### 85 Routing Number Summary 546 547 | Field | Position | Size | Type | Field Name | Usage - M, C | 548 | :---: | :---: | :---: | :---: | :--- | :---: | 549 | *1* | 01–02 | 2 | N | Record Type | M | 550 | *2* | 03–11 | 9 | N | Routing Number Within Cash Letter | M | 551 | *3* | 12–25 | 14 | N | Routing Number Total Amount | M | 552 | *4* | 26–31 | 12 | N | Routing Number Item Count | M | 553 | *5* | 36–55 | 24 | ANS | User Field | C | 554 | *6* | 56–56 | 25 | B | Reserved | M | 555 | 556 557 | Field | Position | Size | Type | Field Name | Usage - M, C | 558 | :---: | :---: | :---: | :---: | :--- | :---: | 559 | *1* | 01–02 | 2 | N | Record Type | M | 560 | *2* | 03–06 | 4 | N | Items Within Bundle Count | M | 561 | *3* | 07–18 | 12 | N | Bundle Total Amount | M | 562 | *4* | 19–30 | 12 | N | MICR Valid Total Amount | C | 563 | *5* | 31–35 | 5 | N | Images within Bundle Count | M | 564 | *6* | 36–55 | 20 | ANS | User Field | C | 565 | *7* | 56–56 | 1 | N | Bundle ID | C | 566 | *8* | 57–80 | 24 | B | Bundle Sequence Number | M | 567 568 ### 90 Cash Letter Control Record 569 570 | Field | Position | Size | Type | Field Name | Usage - M, C | 571 | :---: | :---: | :---: | :---: | :--- | :---: | 572 | *1* | 01–02 | 2 | N | Record Type | M | 573 | *2* | 03-08 | 6 | N | Bundle Count | M | 574 | *3* | 09-16 | 8 | N | Items Within Cash letter Count | M | 575 | *4* | 17-30 | 14 | N | Cash Letter Total Amount | M | 576 | *5* | 31-39 | 9 | N | Images Within Cash Letter Count | M | 577 | *6* | 40–57 | 18 | ANS | ECE Institution Name | C | 578 | *7* | 58-65 | 8 | N | Settlement Date | C | 579 | *8* | 66-66 | 1 | N | Credit Total Indicator | C | 580 | *9* | 67–80 | 14 | B | Reserved | M | 581 582 ### 99 File Control Record 583 584 | Field | Position | Size | Type | Field Name | Usage - M, C | 585 | :---: | :---: | :---: | :---: | :--- | :---: | 586 | *1* | 01–02 | 2 | N | Record Type | M | 587 | *2* | 03-08 | 6 | N | Cash Letter Count | M | 588 | *3* | 09-16 | 8 | N | Total Record Count | M | 589 | *4* | 17-24 | 8 | N | Total Item Count | M | 590 | *5* | 25-40 | 16 | N | File Total Amount | M | 591 | *6* | 41-54 | 14 | ANS | Immediate Origin Contact Name | C | 592 | *7* | 55-64 | 10 | N | Immediate Origin Contact Phone Number | C | 593 | *8* | 65-65 | 1 | N | Credit Total Indicator | C | 594 | *9* | 66-80 | 15 | B | Reserved | M |