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2018 Check Sample Survey Appendix D: Check Interrogation Forms Federal Reserve Bank of Atlanta Retail Payments Risk Forum Working Paper 20-1, Appendix D Abstract: This appendix contains the long and short check interrogation forms used for data collection in the 2018 Check Sample Survey (CSS). These forms accompany the 2018 CSS report, data tables (appendix A), technical appendix (appendix B), and remotely created checks augmentation (appendix C). All data resources are available for download at frbatlanta.org. JEL classification: E42 Key words: U.S. consumer check use, U.S. business check use, paper checks, personal checks, business checks, Federal Reserve Payments Study, Check Sample Survey This work is a collaborative effort of staff in the Retail Payments Risk Forum at the Federal Reserve Bank of Atlanta and the GCI Analytics office of McKinsey & Company. This version: July 30, 2020 1 2018 CSS check interrogation form (long) 1. 2. 5. Does the following sentence appear to the left of that image, “This is a LEGAL COPY of your check. You can use it the same way you would use the original check.”? o Yes o No Are any of these words on the front of the check (Check all that apply)? □ Cashier's Check, Official Check, or Certified Check □ Money Order or Postal Money Order □ WIC Check □ Payroll Check □ Please post this payment on behalf of our mutual customer □ Check cashing, pawn shop, liquor store □ None of the above Payer (wrote the check) 3. Does the Payer name or address have any of these? (Check all that apply) □ □ □ □ □ □ □ □ □ □ □ □ □ □ □ 4. o o o o o - o Consumer Zip code not present Payee (paid by the check) 6. 7. Does the Payee Line (i.e., the line indicating to whom the check is written) or the front of the check itself include an address for the Payee? o Yes o No Payee's ZIP code: - o 8. One or more persons' full names (John Smith, John and Mary Smith, John Smith, Inc.) Trust (no affiliation with bank name), Trustee, Estate, Attorney, Law Firm, Associates Inc., LLC, LTD, Co., NA, Corp., Corporation, Company, Services, Association, PC, .com, .org Church, Temple, other religious affiliation Insurance, e.g., health, car, or home insurance Banking services, e.g., loans, mortgage, credit card Initials of Business or Association (e.g. NAACP, AT&T) Public Administration e.g., State of, County of, Port Authority, Water Authority, etc. Postal Service e.g., USPS, Post Office, United States Postal Service Education e.g., School, High School, Elementary, University, College, .edu Health Care e.g., Dr., Doctor, MD, DDS, DVM, PC, Specialist, -ologist Apartment number (apt. #) NOT Suite # or Building # Other business indicator Other government indicator None of the above Based on the Payer name and address and the characteristics of the check, can you definitively categorize the Payer as any of these? Payer's ZIP code: Zip code not present Does the Payee name (or address, if present) have any of these? (Check all that apply) □ One or more persons' full names (John Smith, John and Mary Smith, John Smith, Inc.) □ Cash □ Trust (no affiliation with bank name), Trustee, Estate, Attorney, Law Firm, Associates □ Inc., LLC, LTD, Co., NA, Corp., Corporation, Company, Services, Association, PC, .com, .org □ Insurance, e.g., health, car, or home insurance □ Church, Temple, other religious affiliation □ Banking services, e.g., loans, mortgage, credit card □ Initials of Business or Association (e.g. NAACP, AT&T) □ Public Administration e.g., State of, County of, Port Authority, Water Authority, etc. □ Postal Service e.g., USPS, Post Office, United States Postal Service □ Education e.g., School, High School, Elementary, University, College, .edu □ Health Care e.g., Dr., Doctor, MD, DDS, DVM, PC, Specialist, -ologist □ Apartment number (apt. #) NOT Suite # or Building # □ Other business indicator □ Other government indicator □ None of the above on the front… 9. Date of the check: Government Business / / Either business or government Cannot determine o Date not present 2 10. Enter the Serial Number (aka Check Number) listed in the upper right-hand corner of the check. If there is no serial number in the upper right-hand corner, look to the bottom-most row of numbers on the check. If the first character on the left-hand side is a II symbol, then enter the number you see between that symbol and the next II symbol. … o Number not present $ , o Drawer”, “Authorized by the depositor”, “Authorized by the Payer”, or “As Authorized Signatory” is present o Below the signature a phrase stating “Authorized by Drawer”, “Authorized by the depositor”, “Authorized by the Payer”, or “Authorized Signature” is present o Reads “Pre-Authorized Payment” o Reads “This is a bill payment draft” o The signature field is blank. 17. Are any of these items handwritten on the check? (Check all 11. Dollar amount of the check: ot present o Reads “Signature on File” o In place of the signature a phrase stating “Authorized by that apply) , □ DL, driver's license, license □ Handwritten state initials (GA, CA, MI, etc.) followed by or . preceded by a number □ Identification number such as account #, tax ID, Social Amount not present Security # □ Phone number handwritten or circled on face of check □ Stamped form (generally on the back of the check) that is 12. Is the dollar amount in the Courtesy Amount field handwritten? filled in with handwritten characters □ The words “Mobile Deposit” □ NO -- None of the above o Yes o No (Machine-printed) 13. Enter the 9-digit transit routing number. This number is in the bottom-most row of numbers between the symbols: and on the back… 18. Are any of these words in the Payee endorsement? (Check all o Bottom row of numbers not present 14. Does the symbol II appear in the leftmost position of the row of numbers at the bottom of the document? o Yes o No symbol? o Yes o No 16. Which ONE of the following best describes the Signature on the face of the check: o o o □ □ □ 15. Does the number “6” appear directly to the left of the leftmost that apply) □ Hand-written or facsimile Name in printed type face Reads "No Signature Required" □ □ □ □ □ □ □ □ □ □ □ □ One or more persons' full names (John Smith, John and Mary Smith, John Smith, Inc.) Dollar Amount, Amount, $ Store, Store #, Register #, Terminal #, Branch #, Location #, DL, D/L, Cashback Inc., LLC, LTD, Co., NA, Corp., Corporation, Company, Services, Association, PC, .com, .org Initials of Business or Association (e.g. NAACP, AT&T) Trust (no affiliation with bank name), Trustee, Estate, Attorney, Law Firm, Associates Church, Temple, other religious affiliation Banking services, e.g., loans, mortgage, credit card Insurance, e.g., health, car, or home insurance Public Administration e.g., State of, County of, Port Authority, Water Authority, etc. Education e.g., School, High School, Elementary, University, College, .edu Health Care e.g., Dr., Doctor, MD, DDS, DVM, PC, Specialist, -ologist Mobile Deposit (if there is a check box to indicate a “Mobile Deposit”, the box must be checked) Other business indicator Other government indicator None of the above 3 19. Is the Payee endorsement handwritten? o o o Yes – Handwritten No – It's stamped / machine-printed Cannot find Payee endorsement 20. On the back, is the Payee endorsement perpendicular or parallel to the writing on the front of the check? o Perpendicular o Parallel o Cannot find Payee endorsement 21. Do the words "Absent(ee)” or “Absent Endorsed,” “ABS END GUAR,” “ABS END GTD,” “Credit to Payee,” “CR to Payee,” or “Lack End GTD” appear anywhere on the back of the check? o Yes o No 22. Input the number (typically 9 digits) found on the back of the check that exists between > and < symbols. In the event that more than one set of > < symbols appear, first look for the endorsement with a bank name associated with it and enter that number. If each set has a bank name associated with it, then choose the set that has the earliest date. The date will appear next to or just below the number between the > < symbols. > o Public Administration, e.g., State of, County of, Port Authority, Water Authority o Education, e.g., School, University o Health Care, e.g., Hospital, doctor’s office o Construction & Household Services, e.g., plumbers, electricians, painters o Professional Services, e.g., photographers, vets, lawyers, interior designers o Suppliers and manufacturers o Grocery and Drug Store e.g., Walmart, Publix, CVS, Quik Trip o Retail Store e.g., Department store, clothes shop, Best Buy, Home Depot o Arts, Entertainment and Recreation e.g., museums, amusement parks, independent artists o NOT a business or government o Cannot determine 26. If the Payee is a business or government entity, how would you categorize the purpose of the payment? o Bill payment / invoice payment o Point-of-sale payment o o NOT a business or government Cannot determine < o Number not present Categorizing Payee 23. Is the payee the same person as the payer: o Yes o No 24. Based on the Payee name/address and endorsement, can you definitively categorize the Payee as any of these? o o o o o o Consumer Government Business Not Consumer – either business or government Not Government – either business or consumer Cannot determine 25. If Payee is business or government, mark which type: o o o o o o Utilities, e.g., Power, phone o Tax, e.g., IRS, H&R Block, etc. Banking services, e.g., loans, mortgage, credit card Insurance, e.g., health, car, and home insurance Subscription, e.g., homeowners association, member, club Rental and leasing, e.g., Post Apartments Charitable organization, e.g., Church 4 2018 CSS check interrogation form (short) Payer (wrote the check) 1. o o o o o 4. If the Payee is a business or government entity, how would you categorize the purpose of the payment? Based on the Payer name and address and the characteristics of the check, can you definitively categorize the Payer as any of these? o Bill payment / invoice payment Consumer o Point-of-sale payment Government Business Either business or government Cannot determine Payee (paid by the check) 2. Based on the Payee name, address, and endorsement, can you definitively categorize the Payee as any of these? o o o o o o Consumer Government Business Not Consumer – either business or government Not Government – either business or consumer Cannot determine 3. If the Payee is business or government, mark which type: o o o o o o o o o o o o o o o o o o Utilities, e.g., Power, phone Banking services, e.g., loans, mortgage, credit card Insurance, e.g., health, car, and home insurance Subscription, e.g., homeowners association, member, club Rental and leasing, e.g., Post Apartments Charitable organization, e.g., Church Tax, e.g., IRS, H&R Block, etc. Public Administration, e.g., State of, County of, Port Authority, Water Authority Education, e.g., School, University Health Care, e.g., Hospital, doctor’s office Construction & Household Services, e.g., plumbers, electricians, painters Professional Services, e.g., photographers, vets, lawyers, interior designers Suppliers and manufacturers Grocery and Drug Store e.g., Walmart, Publix, CVS, Quik Trip Retail Store e.g., Department store, clothes shop, Best Buy, Home Depot Arts, Entertainment and Recreation e.g., museums, amusement parks, independent artists NOT a business or government Cannot determine 5 2018 CSS Report Appendix A: Data Tables Appendix B: Technical Appendix Appendix C: Remotely Created Checks 6
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