EPC-6 Requirement

Vcheck Support > Initial Setup > EPC-6 Requirement

Some banks (Wells Fargo for sure) may now require that all Remotely Created Checks (RCC) that do NOT contain the customer's signature have the number 6 in the 44-45th position of the MICR line.  This allows the bank to quickly identify checks that do not have a signature.

In August 2017, one of our merchants received a letter from Wells Fargo indicating they would no longer accept RCCs with no signature unless the checks contain this extra EPC code.

We were aware of this potential change in early 2017.  However, when we added this extra EPC code on non-signature checks - all the banks were rejecting them.  Even now (August 2017) we can not confirm that this new requirement has become official throughout the banking industry.  At this time, Wells Fargo is the only bank that actually requires the extra code.  And that might be on a regional basis.

So, if (AND ONLY IF) you are notified by your bank that all RCCs you submit for deposit much contain the new EPC code 6 - we have added that option to the Merchant and User PDF Settings page.

NOTE: This requirement only applies to checks that do NOT contain the customer's signature.  If you are using our Signature Capture feature, the new code will not be added to such checks - but will be added to non-signature checks.

A Word of Warning:  At this time we can not confirm that this new EPC requirement has been unified into national banking regulations.  Therefore, you should not add this option unless your bank notifies you that they require it - you checks may be rejected otherwise.

To activate the function that will add the new EPC code to all non-signature checks, just login to your account and go to the Merchant - Merchant PDF Settings screen. You will see the new option at the bottom of where you select the number of checks and check size to print.  If you have other admins/users on your account - they each can set their own PDF settings and if they have done so (usually because they use a different printer than the primary user) - they will have to check the box for the EPC code also. See below:

check options with epc6.jpg

39.39 KB PDF
A copy of the letter sent by Wells Fargo to a merchant regarding the requirement for EPC 6
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