X9 RCC - Remotely Created Checks

X9 RCC is a Windows .NET application for building Remotely Created Check (RCC) images (also known as ECIs, Electronic check Items, Pre-Authorized Drafts, Demand Drafts or Check 21 Demand Drafts) that can be printed and/or formed into X9.37 Image Cash Letter (ICL) files. There are two primary applications for X9 RCC:

  • Creating Remotely Created Checks for presentment and deposit on behalf of a customer
  • Creating test ICL files for use in debugging your Remote Deposit Capture or other Check 21 based solution



X9 RCC is a software solution for composing Remotely Created Check images or ECIs and ICL files from simple text files. The images are Check 21 compliant ready for printing and, when formed into X9/ICL files, contain strong fraud deterrent features.

X9 RCC uses information from authorized bill payment transactions or from test data that you supply to electronically generate check images. The images can be printed, and optionally be packaged into X9 Image Cash Letter (ICL) files ready for:

  • Deposit and subsequent image exchange
  • Use in Check 21/ICL application testing
  • Remotely Created Check Images and ICL files can optionally include the EPC code MICR line character and ICL file field set to 6 as required by the X9 X9.100-160-2013 standard.


X9 RCC Features

  • Ready-to-use Application
  • Creates Remotely Created Checks or ECIs with optional printing
  • Creates ICL files automatically formatted for destination
  • RCCs include mandatory fraud deterrence features
  • Customizable ICL formats for different end points

Primary X9 RCC Functions

Application is ready to use, with no custom programming required

  • Creates Remotely Created Checks and/or X9.37 ICL files automatically
  • Mandatory fraud deterrent features included
  • Depositing account name and number are part of endorsement
  • Customizable ICL formats for different end points
  • RCC images can be printed if original checks are required

X9 RCC Benefits

  • Generate RCC images and compose them into X9 Deposit Image Cash Letters as a one-step process, thus reducing the cost of producing and depositing RCCs.
  • Generate ICL file from example data to create ICL files for testing without risking live customer data
  • Fraud deterrent features provide confidence that RCCs are created by a known depository customer.
  • All created check images are fully Check 21 compliant

Fraud Deterrence

Fraud Deterrence

X9 RCC application requires payment information to include

  • Depositor’s name
  • Complete bank information such as account number, routing number

The depositor information will be

  • Electronically imprinted as an endorsement on the rear check image
  • Included in the ICL file endorsement records

This provides both the check payor and depositor tracing information.

The inclusion of maker, depositor and transaction specific information acts as a fraud deterrent feature that will discourage inappropriate use

For more Information, contact sales@allmypapers.com



Minimum System Requirements

Desktop: Operating System: Windows 7, 8x, 10 – 32/64-Bit

Server: Operating System: Windows Server 2008 and newer

CPU: Pentium 4, 2GHZ

RAM: Per Operating System Minimums


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Evaluation & Production Licenses

All my Papers applications and SDKs are available for evaluation use by qualified customers prior to purchase.

Evaluation Use – To obtain download instructions and a 30-day trial license, please fill-out a software evaluation request.

Production Use – When you purchase an All My Papers product, you will be issued a production license enabling its use in your production environment.  Production licenses are purchased with renewable support and maintenance.

For more information, please contact sales@allmypapers.com or call +1 (408) 366-6400 and press 1 at the prompt.


General Licensing Terms

In general. the licensing policy for All My Papers (AMP) software – authorizes one user and one physical hardware device/computer. The AMP enabling license for a given machine authorizes only that single physical hardware computer.

AMP’s software requires license and product codes for every computer running AMP’s software including production, evaluation, disaster recovery and trial computers. License fees include support and maintenance for a three-year renewable term.

Virtual Machine (VM) Licensing

The All My Paper VM license enables use of AMP applications in one VM environment and is available to new and existing customers. AMP includes support for VM environments with static UUIDs such as VMware or Microsoft Hyper-V.  However, installation or configuration support under other VM environments without static UUIDs such as Amazon’s Could Server may be subject to additional installation/configuration support charges.

For details, see the License text loaded during the installation of the software.

Deployment Licenses All My Checks and X9 RCC

All My Papers delivers three (3) licenses for application products like All My Checks and X9 RCC. These licenses are generally deployed as: production, test and disaster recovery




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Contact All My Papers to automate check Image Cash Letter (ICL) file processing.