We have seen a lot of these as well. I do not know if the problem lies with Fed or the depository bank. We seem to have more problems with the quality of Fed's service since they have centralized operations--don't know if that has anything to do with it or not. We have also seen many check 21's with poor images, and several NOI's returned to us in our chargebacks. Has anyone else seen similar trends?
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Newbie Mgr