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Every day our members ask great questions and to my amazement, we can help you answer those questions. When it comes to how we answer those questions… sometimes we just know, other times it is a team effort, but in a lot of cases, our answers lead us to recommending one of our resources. Listed below are the top forms and sample letters we have to help you solve common issues and where you can find them.

Written Statement of Unauthorized Debit

The Written Statement of Unauthorized Debit is a notice to an RDFI by a Receiver to request a credit for an unauthorized debit that has posted to the Receiver’s account. This form is located within our EFT Dispute Resource Package.

Stop Payment Request Order

Also located within our EFT Dispute Resource Package, the Stop Payment Request Order form allows your account holders to place a stop payment to prevent an ACH debit or check from posting to their account.

ACH Indemnity Letter

This resource is to be used by financial institutions for situations in which an ODFI is requesting a return of funds from an ACH entry and the RDFI wishes to obtain a written indemnification. A sample of this letter can be found in our Knowledge Community.

Check/Image Breach of Warranty Claim Form

This form, located within our Check Exceptions Resource Package, is to be used by a Paying Institution when making a UCC (Uniform Commercial Code) or Regulation CC Breach of Warranty Claim to a Depositary Institution. This form may be used for forged endorsements, altered items, missing or improper endorsement issues, encoding errors, duplicate presentments and situations where the named Payee did not benefit from the payment.

Check Indemnification Agreement

Also in our Check Exceptions Resource Package, this agreement is to be used by a Paying Institution when they are attempting to recover funds from a Depositary Bank for a forged signature/counterfeit item that has been presented and paid on a Drawer’s account and they are past the timeframe to return the item.

Remote Deposit Capture (RDC) Indemnity Claim Form

This form is to be used when a Depositary Bank has possession of a paper check and manually files an RDC indemnity claim directly against an RDC Bank. This form is stored in our Check Exceptions Resource Package.

The next time you find yourself trying to figure out what to do, reach out to our Member Support team! We can guide you through rules and regulations, share some resources or just be that friendly voice on the other end of the line. We are here to help equip you with the resources your financial institution needs to succeed!

EPCOR’s Member Support can be reached by phone at 800.500.0100, email at memserve@epcor.org or chat on our website, epcor.org.