Returned Items - KeyBank · Returned Items Transmission Toolkit ©2017 KeyCorp. KeyBank is Member FDIC. 170830- 283585. 2. Returned Items Overview . KeyBank’s returned items solution

Revised (10/17)

Returned Items Transmission Toolkit


©2017 KeyCorp. KeyBank is Member FDIC. 170830- 283585 1

Copyright © 2017 by KeyBank, N.A.

All rights reserved. Reproduction of any part of this work beyond that permitted by Section 107 or 108 of the 1976 United States Copyright Act without the permission of the copyright owner (KeyBank) is unlawful. This publication is designed to provide accurate information about the subject matter covered. Please be aware that changes to the information may occur after the publication date.



Returned Items Overview KeyBank’s returned items solution provides you with images of the front and back of returned checks. The report includes chargeback, paper redeposit and RCK items. One image file is created for each KeyBank deposit account. Images are in a standard TIFF format. Standard Field Names within the Data Record Definitions are provided within the file layout Business Processing /

Returned Date Original Deposit Date Personal Check Number

Return Code and Return Reason

Maker’s First Name Business Check Number

Presentment/Item Type Maker’s Middle Initial Check Amount

Number RCKs Maker’s Last Name Check Written Date RCK1 Re-Presentment Date Driver License Number Image Sequence Number

RCK2 Re-Presentment Date Driver License State Code High-Speed Sequence Number Paper Re-Presentment Date Miscellaneous Data Unique Number

Deposit Account Number Maker’s Account Number Unique Number Check

Location ID Maker’s Account Check Source Indicator Image Reference Pointers Charge To Account Number Maker’s Routing Number

Note: The standard fields listed below, are populated with data when service is requested. Maker’s First Name Driver License Number Miscellaneous Data

Maker’s Middle Initial Driver License State Code Check Written Date

Maker’s Last Name Header Record Contents Definitions are provided within the file layout Record Type Creation Date Number of Data Fields

Field Definition Description Field Definition Length Trailer Record Contents Definitions are provided within the file layout Record Type Record Count



Sub-Totals Record Contents Definitions are provided within the file layout For each Depositing Account Number

Counts by Presentment / Item Type

Dollars by Presentment / Item Type

Totals Record Contents Definitions are provided within the file layout Total Count for all by Presentment / Item Type

Total Dollar Amount for all by Item Type

Standard Service Guidelines File is a fixed record length. One data file is created. Data file may contain multiple KeyBank deposit accounts. Data file contains all re-presentment activity (i.e. Paper Re-deposit, RCK and

Chargeback presentments).

If images are provided, one image file is created for each KeyBank deposit account. Images are a standard TIFFformat.

File(s) available on business days after 3:00 pm ET. File Layout

Field Name

Touchless Return Item Processing

System (TRIPS)

Field Name

Field Definition Field

Length (Char)

Field Format Field Position

Header Record RECORD TYPE ---

A value of 00 indicates this record is a Header Record.

2 Default Value

– 00

1-2

PROCDATE --- The Transmission f ile creation date.

8 YYYYMMDD 3-10

RECNUM --- The number of data f ields enclosed.

6 Numeric 11-16

Field Definition Description ---

For each f ield contained in the f ile the f ield name is listed.

20 Alphanumeric 17-36

Field Definition Length ---

Each f ield length is listed in the 6 positions after each f ield description.

6 Numeric 37-42

Filler Empty 43-800



Field Name TRIPS Field Name


Length (Char)


Data Record RECORD TYPE --- A value of 11 indicates this record is a

Data record. 2 Default Value – 11 1-2

Business Processing / Returned Date

--- The date of processing for this item by KeyBank. 8 YYYYMMDD 3-10

Return Code ireason-num

The numeric code version of the Return Reason (ireason-desc) f ield. It is a 2 digit number representing the reason the item is being returned. Valid values are denoted in bold: 01 (NSF) 02 (Uncollected Funds) 03 (Stop Payment) 04 (Closed Account ) 05 (UTLA) 06 (Frozen/Blocked Acct) 07 (Stale Dated) 08 (Post Dated) 09 (Missing Endorsement) 10 (Endorsement Irregular) 11 (Signature Missing) 12 (Signatures(s) Irregular) 13 (Non-Cash Item – Non Negotiable) 14 (Altered / Fictitious Item) 15 (Unable to Process) 16 (Item Exceed Dollar Limit) 17 (Not Authorized / Ineligible) 18 (Branch / Acct Sold) 19 (Refer to Maker) 20 (Stop Payment Suspect) 21 (Unusable Image / Poor Quality) 22 (Image fails security check) 23 (Cannot Determine Amount) 24 (Refer to Image) 25 (Duplicate Presentment) 26 (Forgery) 27 (Image Noncompliant w ith ANS

X9.100-) 28 (Does not conform to Companion Doc) 29 (Warranty Breach) 30 (NSF 2nd) 31 (NSF 3rd) 32 (UCF 2nd) 33 (UCF 3rd)






Length (Char)


Data Record

Return Reason ireason-desc

The text description of the Return Code (ireason-num) f ield. It is a text description representing the reason the item is being returned. Valid values are denoted in bold: 01 (NSF) 02 (Uncollected Funds) 03 (Stop Payment) 04 (Closed Account) 05 (UTLA) 06 (Frozen/Blocked Acct) 07 (Stale Dated) 08 (Post Dated) 09 (Missing Endorsement) 10 (Endorsement Irregular) 11 (Signature Missing) 12 (Signatures(s) Irregular) 13 (Non-Cash Item – Non Negotiable) 14 (Altered / Fictitious Item ) 15 (Unable to Process) 16 (Item Exceed Dollar Limit) 17 (Not Authorized / Ineligible) 18 (Branch / Acct Sold) 19 (Refer to Maker) 20 (Stop Payment Suspect) 21 (Unusable Image / Poor Quality) 22 (Image fails security check) 23 (Cannot Determine Amount) 24 (Refer to Image) 25 (Duplicate Presentment) 26 (Forgery) 27 (Image Noncompliant w ith ANS

X9.100-) 28 (Does not conform to Companion Doc) 29 (Warranty Breach) 30 (NSF 2nd) 31 (NSF 3rd) 32 (UCF 2nd) 33 (UCF 3rd)






Length (Char)


Data Record

Presentment / Item Type

iredeposit-type

The type of redeposit is being done for this item. If the item is being charged back,

this f ield w ill be blank. If it is being re-deposited, it w ill have

one of the tw o values: 'e' for electronic (RCK) or 'p' for a paper redeposit.

If the redeposit is electronic, the Number RCKs (iitem-rck-times) f ield indicates the number of the electronic presentment (0 for f irst time, and 1 for second).

Blank f ield = Chargeback P = Paper Redeposit E and 0 (# RCKs) = RCK1 Debit E and 1 (# RCKs) = RCK2 Debit [Note – if this f ield is blank, please ignore Number RCKs (iitem-rck-times)]

1 Alphanumeric 33

Number RCKs iitem-rck-times

The number of the times that the electronic (RCK) item has been presented (including this presentment). If this is being re-deposited as a

paper item, this number w ill be blank.

A '0' (left zero) indicates an RCK first presentment, and a '1' indicates a second RCK presentment.

1 Alphanumeric 34

RCK 1 Re- Presentment Date

krck1-date

The date of 1st RCK (electronic) re-presentment. (Date based on special instructions for RCK). Present if Presentment / Item Type (iredeposit-type) = e and Number RCKs (iitem-rck-times) = 0 (zero). Defaults to zero if not applicable for the item.

8 YYYYMMDD 35-42

RCK 2 Re- Presentment Date

krck2-date

The date of 2nd RCK (electronic) re-presentment. (Date based on special instructions for RCK). Present if Presentment / Item Type (iredeposit-type) = e and Number RCKs (iitem-rck-times) = 1 (one). Defaults to zero if not applicable for the item.

8 YYYYMMDD 43-50





Length (Char)


Data Record

Paper Re- Presentment Date

kpaper-date

The date of paper re-presentment = processing date. Present if Presentment / Item Type (iredeposit-type) = p and Number RCKs (iitem-rck-times) = blank. This date is included w hen item is RCK as a reference. Defaults to zero if not applicable for the item.

8 YYYYMMDD 51-58

Deposit Account Number

iacct The Account Number into w hich the check w as deposited.

15 Numeric 59-73

Location ID isub-acct

The sub-acct/store number of account into w hich the returned check w as deposited. It is the numeric representation of the branch that "ow ns" the depositor's Account.


Charge to Account Number

kcharge-acct

The Account Number to w hich the chargeback w as assessed. (Note: A value w ill not be present for paper representments).

16 Numeric 89-104

Original Deposit Date

iitem-dep-date

The date of the deposit for this item. 8 YYYYMMDD 105-112

Maker’s First Name ixf irst-name

The First Name of the Maker (w riter) of the check that w as returned. (Note: Maker First Name (if any) entered, if requested)


Maker’s Middle Initial ixmiddle-int

The Middle Initial of the Maker (w riter) of the check that w as returned. (Note: Maker Middle Initial (if any) entered, if requested)

1 Alphanumeric 128

Maker’s Last Name ixlast-name

The Last Name of the Maker (w riter) of the check that w as returned. (Note: Maker Last Name (if any), if requested)


Driver License Number

ixdrivers-lic- num

The Driver’s License Number of the Maker (w riter) of the check that w as returned. (Note: Driver License Number entered, if requested)


Driver License State Code

ixdl-state-code

The state code of the Driver’s License and is an optional f ield. (Note: Driver License State Code entered, if requested)






Length (Char)


Data Record

Miscellaneous Data ixadd-info

This is a 30 position variable text f ield that w ill include variable text as entered by the KeyBank Returns Operations team. (Note: Miscellaneous Data entered (if any), if requested)


Maker’s Account Number

ixmicr-acct The Account Number from the MICR line of the check that w as returned.

16 Alphanumeric

(right justif ied – leading zero f ill)

211-226

Maker’s Account Check

kmicr-acct- valid

The f ield w ill be blank in the event the MICR Account is found. The f ield w ill contain a ‘1’ w hen MICR Account is found / matched, and the Maker Account Number (ixmicr-acct) f ield contains the zero f illed account number.

1 Numeric 227

Maker’s Routing Number

ixmicr-rt

The Transit Routing number from the MICR line of the check that w as returned. It belongs to the Financial Institution from w hich the check is draw n.

9 Numeric 228-236

Personal Check Number imicr-tc

The check number (personal check) of the check that w as returned.

6 Numeric

(right justif ied/zero padded)

237-242

Business Check Number

imicr-serial The check number (business check) of the check that w as returned.

16 Numeric

(right justif ied/zero padded)

243-258

Check Amount iamt The amount of the item that w as returned.

10 Numeric 259-268

Check Written Date

ixw ritten-date

The date the maker w rote the check – obtained from the check itself. (Note: Check Written Date entered, if requested).

8 YYYYMMDD Default value - zero f ill 269-276

Image Sequence Number

image-seq This sequence number of the originally scanned check image.

5 Numeric 277-281

High-Speed Sequence Number

Idb-hispeed- seq

The high-speed capture number for the returned item.

16 Numeric 282-297

Unique Number kunique-key

The unique key to the items file – by day. A unique number is assigned to each returned item each time the item comes through the return items process.

20

Alphanumeric Format: YYYYMMDD############ Where : YYYYMMDD = check processing date ############ = item-key

298-317





Length (Char)


Data Record

Unique Number Check

kunique-key- valid

The f ield w ill be blank for accurate Unique Number (kunique-key) found. The f ield w ill contain a ‘1’ w hen Unique Number (kunique-key) could not be generated or matched.

1 Numeric 318

Source Indicator

ksource- indicator A value of 00 is present in this f ield. 2

Numeric Default value - 00

319-320

Image Reference Pointers

--

Data f ields not included in header. The pointers to image f iles. One for front and rear images for each data record.

Variable length – 321-461

Filler Empty 462-800



Length (Char)


Trailer Record RECORD TYPE

A value of 99 indicates this record is a trailer record.

2 Default Value – 99 1-2

RECORD COUNT

The number of detail records (not including Header and Trailer).

10 Numeric 3-12

Filler Empty 13-800



Field Name TRIPS Field Name Field Definition

Field Length (Char)


Sub-Totals Record For each Deposit Account in the file repeat lines 1-3

Line 1

Account Label “Account” 15 Alphanumeric 1-14 Return Type Label1 “Charge” 10 Alphanumeric 15-24

Return Type Label2 “Redep ” 10 Alphanumeric 25-34

Return Type Label3 “RCK1” 10 Alphanumeric 35-44

Return Type Label4 “RCK2” 10 Alphanumeric 45-54

Line 2

Deposit Account Number iacct

This is the Account Number into which the check was deposited.


Chargeback Count Chgbk-count

If Presentment / Item Type (iredeposit-type) = blank Total the Number of chargebacks in the f ile for the Deposit Account.

10 Numeric 15-24

Paper Redeposit Count Paper-count

If Presentment / Item Type (iredeposit-type) = P Total the Number of Paper Redeposits in the f ile for the Deposit Account.

10 Numeric 25-34

RCK1 Count RCK1-count

If Presentment / Item Type (iredeposit-type) = E and Number RCKs (iitem-rck-times) = 0 Total the Number of 1st RCK (electronic re-deposits) in the f ile for the Deposit Account.

10 Numeric 35-44

RCK2 Count RCK2-count

If Presentment / Item Type (iredeposit-type) = E and Number RCKs (iitem-rck-times) = 1 Total the Number of 2nd RCK (electronic re-deposits) in the f ile for the Deposit Account.

10 Numeric 45-54

Line 3

Deposit Account Number iacct

This is the Account Number into which the check was deposited.


Chargeback Dollars Chgbk-dollars

If Presentment / Item Type (iredeposit-type) = blank Add the Total dollars for all chargebacks in the f ile for the Deposit Account.

10 Numeric 15-24



Paper Re-deposit Dollars Paper-dollars

If Presentment / Item Type (iredeposit-type) = P Add the Total dollars of all Paper Re-deposits in the f ile for the Deposit Account.

10 Numeric 25-34

RCK1 Dollars RCK1-dollars

If Presentment / Item Type (iredeposit-type) = E and Number RCKs (iitem-rck-times) = 0 Add the Total dollars of all 1st RCK (electronic re-deposits) in the f ile for the Deposit Account.

10 Numeric 35-44

RCK2 Dollars RCK2-dollars

If Presentment / Item Type (iredeposit-type) = E and Number RCKs (iitem-rck-times) = 1 Add the Total dollars of all 2nd RCK (electronic re-deposits) in the f ile for the Deposit Account.

10 Numeric 45-54

Field Name TRIPS Field Name Field Definition

Field Length (Char)


Totals Record Line 1

Total Label “Final Totals” 15 Alphanumeric 1-14 Total Chargeback Count

Chgbk-count- total

Add chgbk-count f ields for all Deposit Accounts in f ile.

10 Numeric 15-24

Total Paper Redeposit Count

Paper-count- total

Add paper-count f ields for all Deposit Accounts in f ile.

10 Numeric 25-34

Total RCK1 Count

RCK1-count- total

Add RCK1-count f ields for all Deposit Accounts in f ile.

10 Numeric 35-44

Total RCK2 Count

RCK2-count- total

Add RCK2-count f ields for all Deposit Accounts in f ile.

10 Numeric 45-54

Line 2

Space “ “ 15 Alphanumeric 1-14

Total Chargeback Dollars

Chgbk-dollars- total

Add Chgbk-dollars f ields for all Deposit Accounts in f ile.

10 Numeric 15-24

Total Paper Redeposit Dollars

Paper-dollars- total

Add paper-dollars f ields for all Deposit Accounts in f ile.

10 Numeric 25-34

Total RCK1 Dollars

RCK1-dollars- total

Add RCK1-dollars f ields for all Deposit Accounts in f ile.

10 Numeric 35-44

Total RCK2 Dollars

RCK2-dollars- total

Add RCK2-dollars f ields for all Deposit Accounts in f ile.

10 Numeric 45-54



Detailed Descriptions of Image Reference Pointers

Data Description Data Length

Length of f ile name (front B/W) Fixed – 4

Name of f ile name (front B/W) Variable as indicated in length f ield above.

Length of the image data (front B/W) Fixed – 10

Offset of the image data (front B/W) Fixed – 10

Length of f ile name (front grayscale) Fixed – 4

Name of f ile name (front grayscale) Variable as indicated in length f ield above.

Length of the image data (front grayscale) Fixed – 10

Offset of the image data (front grayscale) Fixed – 10

Length of f ile name (rear B/W) Fixed – 4

Name of f ile name (rear B/W) Variable as indicated in length f ield above.

Length of the image data (rear B/W) Fixed – 10

Offset of the image data (rear B/W) Fixed – 10

Length of f ile name (rear grayscale) Fixed – 4

Name of f ile name (rear grayscale) Variable as indicated in length f ield above.

Length of the image data (rear grayscale) Fixed – 10

Offset of the image data (rear grayscale) Fixed – 10

ViewPay In order to consume Return Item data and / or images, a one-time installation of ViewPay is required. Installation Instructions

1. Double-click ViewPay.exe to install. 2. At the Welcome screen click Next.



3. At the Customer Information Screen: Input Name, Organization, and all users, and click Next.

4. Leave the Destination Folder / Install path as the default and click Next.



5. Select Install.

6. Select Finish to complete the installation.



In order to ensure that the application works correctly: 7. On the local C: Drive create the following folders: C:\Applsrv\windss

8. Place all .dat and .img files into the “windss” folder before opening them in the Viewer



ViewPay User Instructions 1. In order for the ViewPay.exe to work correctly, the data and image files to be viewed must be

copied to this directory: C:\Applsrv\windss

2. Next, the file names of the .dat and .img file must follow the ViewPay naming convention. a. An “underscore a” ( _a ) must be added to the file name after the Payor file name and

before “.dat”. b. For example: Filename_a.dat & Filename_a.img. See below.



3. To open ViewPay.exe. a. Click Start b. Go to Programs c. Once in Programs, find data support systems, inc d. Then follow the arrow over to ViewPay

Follow the arrow to the right and click on Launch Viewpay.exe



4. When ViewPay opens, click on select Payor File.

5. The Select Payor File window will open.



6. Use the Look In drop down box to navigate to C:\applsrv\windss, where the file will be.

7. Under Files of type: select Raw payor file {*.dat}



8. Select the .dat file and click Open

9. The Viewer will display the data and images from the selected file. The top half of the Viewer is the data information and the bottom has the check image associated with it.



Instructions for how to extract data from ViewPay:

1. The data (either a single item or all items) from this file can be extracted into a formatted file that can be imported into a spreadsheet.

a. Select the extraction type (All items or Current item) and then click Extract.

2. The Specify Extract File window will open. a. Choose where to save the extracted file, enter a name for the file, and click Save.



b. If you chose to have All Items in the file extracted, you will see the following:

c. If you selected to have the current item only extracted, you will see the following:



3. Right click on the *.iex file and select open with Microsoft Excel.

4. When a .dat file is opened in the Viewer, a .pay file is created. This file can be used to reopen the

file in the Viewer or it can be saved elsewhere as an archive.

Instructions for Opening the .pay File 1. Look in the winds folder.

a. Under Files of type choose Indexed payor file {*.pay}. b. Select the .pay file and click Open.

Documents

Returned Items - KeyBank · Returned Items Transmission Toolkit ©2017 KeyCorp. KeyBank is Member FDIC. 170830- 283585. 2. Returned Items Overview . KeyBank’s returned items solution