Timing for Check Adjustments When Paid Twice

Depending on your state's Uniform Commercial Code, your customer may have up to one year to report an item as duplicate. This timeframe could also be shorted by your account agreement. The Federal Reserve will accept a PAID return (for items presented twice) up to six months from the date of the second posting and items between six months and one year must be sent without entry directly to the bank of first deposit.

Adding the FRB's Quick Reference Guide to your bookmarks will provide a great resource for you in researching return reasons and return timeframes.

https://www.frbservices.org/resources/financial-services/check/reference...