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Check Imaging

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Check 21 Exception Processing™


Fully Automated Exception Item Processing

Check 21 Exception Processing optimizes the opportunities to enhance exception processing that are inherently generated by Check 21 and image exchange. The innovative solution fully automates exception item processing including incoming and outgoing returns, chargebacks and adjustments.

ProfitStars® provides a suite of solutions that support compliance with Check 21, and enables financial institutions to leverage the cost benefits and operational improvements inherent in check image clearing.

What It Does


  • Automates exception item processing including incoming and outgoing returns, chargebacks and adjustments.
  • Imports outgoing return items and determines each item’s origin with integrated access to ProfitStars’ Check 21 Cash Letter solution.
  • Determines if outgoing return items were presented physically or electronically.
  • Returns electronically presented items to the institution of first deposit for processing.
  • Generates substitute checks for return items physically presented.
  • Eliminates the need to have physical items in order to determine their disposition.
  • Provides a browser-user interface to support any necessary reviews of individual items.

What It Does For Me


  • Leverages the cost benefits and operational improvements inherent in Check 21-enabled check image clearing.
  • Optimizes the opportunities to enhance exception processing that are inherently generated by Check 21.
  • Streamlines work flow with a fully-automated process.
  • Improves back room efficiencies by eliminating cycle sorting and exception item pull.
  • Reduces the related labor requirements.
  • Reduces operating costs.
  • Reduces human errors inherent in manual processes.
  • Reduces the risks associated with exception processing.