FR 3066a Survey

FR 3066a
OMB No. 7100-0351
Approval expires February 29, 2028

The Federal Reserve
Payments Study
Depository and Financial Institutions
Payments Survey
Survey Period: Calendar Year 2024
Version: 1

Responding to this collection is voluntary. The Federal Reserve may not conduct or sponsor, and an organization is not required to respond
to, a collection of information unless it displays a currently valid OMB control number. Public reporting burden for this collection of
information is estimated to be an average of 22 hours per response, including the time to gather and maintain data in the required form, to
review the instructions and to complete the information collection. Send comments regarding this burden estimate or any other aspect of this
collection of information, including suggestions for reducing this burden, to: Secretary, Board of Governors of the Federal Reserve System,
20th and C Streets, NW, Washington, DC 20551; and to the Office of Management and Budget, Paperwork Reduction Project (7100-0351),
Washington, DC 20503.

Page 1 of 29

Depository and Financial Institutions Payments Survey (DFIPS)
Instructions
About this survey
This survey, the DFIPS, covers payment and cash transactions that posted to customer accounts and unauthorized third-party payments
fraud against those customer's accounts that took place during calendar year 2024 (CY2024). It is designed to be an enterprise-wide
survey, covering transactions associated with accounts held at your institution and all of its domestic affiliates.
In addition to the cover page and these instructions, this survey workbook contains tabs (i.e., worksheets) for the following categories
(completion percentages will update as you fill out the survey):
Completion Percentage:
 Institution Profile
 Checks
 ACH
 Wire Transfers
 Instant Payments
 Debit & GP Prepaid Cards
 GP Credit Cards
 Cash
 Alternative Payment Initiation

Institu
Checks
ACH
Wire T
Instant
Debit &
GP Cre
Cash
Alterna

0%
0%
0%
0%
0%
0%
0%
0%
0%

About the study
This survey is part of the Federal Reserve Payments Study (FRPS) which is conducted by the Federal Reserve Bank of Atlanta and the
Federal Reserve Board. estimates national aggregate payments through the collection of survey data from depository and financial
institutions and other payment organizations. Your response to this survey will be used in combination with peer responses to estimate
national aggregate volumes for CY2024. Aggregate results will be compared to those of previous studies to track changes and identify
trends in US payments.

Confidentiality
Any data you provide for this survey is strictly confidential. Individual responses to the survey will not be shared with the public or the
industry.

Your participation
To achieve the most reliable results, it is important that you respond completely and accurately. If your institution outsourced
payments processing to another organization during CY2024, please request the necessary data from that organization or
provide them with the survey so they may respond on behalf of your institution.

>> Please respond by: June 13, 2025 <<
Data entry
Please enter annual data for CY2024 in the tabs corresponding to the survey categories listed above. If estimated amounts rather than
actual amounts are reported for any item(s), please explain in the comments field at the bottom of the tab. By default, tabs are protected
and only cells needed for data entry are unlocked.
Example
1. Direct data entry (light blue boxes). For numeric data, key in the actual number or dollar amount.
Note: Items left blank can be difficult to interpret and may generate follow-up questions. If a positive amount cannot be provided,
please consider entering one of these alternatives:
* Enter "0" if the requested item is known to be zero. (Items that are not applicable to your institution are
typically equal to zero.)
* Enter "NR" (not reported/not reportable) if the requested item is known to be nonzero but cannot be reported.
Example
2. Automatic entry of calculations or repeated figures (dark blue box). Cells are protected, but different amounts may be entered into the
override cells to the right (yellow box), if necessary. Only positive numeric amounts are valid for override cells.

Override
NR

(Automatic entry cells display "NR" until required information is provided.)
Example
3. Pull-down option selection (light blue box with pull down). Click on the cell and a pull-down button will appear to the right (see
example). Please select the appropriate option.

Unexpected condition flags

As you fill out the survey, flags may be raised describing the results of simple arithmetic comparisons. These are intended to help you
identify potential mistakes and, if appropriate, correct them. However, we recognize that it may not always be appropriate to revise data
when flags are raised, and you may choose to leave your response data as is. If that happens, please provide feedback and
explanations in the comments field at the bottom of each tab. Your comments may help us understand your data and avoid the need for
follow up.
Conditions that can raise a flag include:
1. Logical inconsistencies: These check for essential arithmetical relationships among items based on survey definitions and structure.
They include adding-up conditions for items and their sub-items, pairing of zeros with nonzeros, and entry of NR when the amount is
implied by other reported item amounts.

Examples
Item in Q3 is not equal to the sum of subitems: Q3 > Q3.a + Q3.b.
Inconsistent pair: Q3 Balance ($) cannot be 0 if Q3 Number is nonzero.
Item should be reportable if all related items (Q2, Q2.b) are reported.

Note: Leaving items blank will not throw flags. However, consistency problems may still exist when the amount is left blank but is
implied by other related item amounts. Such cases can be checked by entering NR when an item is not reported/not reportable.
Please review your survey workbooks for any blank data-entry cells before submitting.
2. Exceeding set boundaries: These check against lower and upper boundaries for averages and ratios. The boundaries are intended
to allow a wide range, but may not be appropriate for your institution.

Glossary
Definitions and examples can be found in the glossary supplied with this survey.

Page 2 of 29

Example
This average value is unusually low.

Depository and Financial Institutions Payments Survey (DFIPS)
Instructions
Submitting the completed survey
Submitted via Intralinks:
Please have your institution's Study Coordinator that established access to an Intralinks account submit this survey workbook.
Survey Coordinator: To submit your completed survey, log in to your institution's Intralinks account where you will see a folder labeled
with a unique numeric identifier assigned to your institution. Within this folder are two subfolders – one for submitting your data and the
other for retrieving data that we may send you. Locate the Submit Data folder, and upload your completed survey workbook(s) on the
encrypted Intralinks platform. Once we receive notification of your submission, acknowledgement of receipt will be sent to you from
[email protected].

Questions?
If you have questions about the survey content or need assistance with the submission process, please contact the Federal Reserve
Payments Study team at www.paymentsstudy.com.

Comments
Please provide any feedback and suggestions about the survey or submission process in the box below:

Page 3 of 29

Institution Profile
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
The first part covers transaction deposit accounts held by your institution. The second part covers general-purpose credit card accounts held by your institution.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

DEPOSIT ACCOUNTS
In 1

Did your institution issue general-purpose prepaid cards and hold accounts associated
with them in 2024?
If your answer is "Yes," please include such accounts in totals, as appropriate, in items 2 and 3
below. If your institution partnered with another depository institution that issues the card on
your behalf (sometimes called a "white-label issuer"), please report "No" to this question.
If your answer is "No," please do not include such accounts in items 2 and 3 below. Please
report "0" for item 3.a below.
Note: Please ensure your answer to the question above is consistent with your answer to item
3 in the Debit and General-Purpose Prepaid Cards section. In particular, if your answer is "No"
to item 1 above, please report "No" for item 3 and "0" for items 5.b and 6.b and their subsets in
the Debit and General-Purpose Prepaid Cards section.

Transaction deposit accounts (including Demand Deposit Accounts (DDAs))
In 2
InstPrflTDAs_ = 2.a + 2.b
InstPrflTDAs_ Please report average of monthly totals in 2024, meaning the average end-of-month totals for
each of the months in 2024.
Include: Checking accounts, NOW accounts, share draft accounts, and general-purpose
prepaid card program accounts associated with cards for which your institution is the issuer,
including accounts of your individual customers or general-purpose prepaid card program
accounts managed by a third party.
Do not include: Non-transaction accounts (savings accounts, money market accounts,
certificates of deposits), prepaid card program accounts issued on your institution's behalf by
another institution, credit card accounts, accounts of foreign governments and official
institutions, or accounts of other depository institutions. Do not include balances reported in
item 5 (retail sweep program accounts) or item 7 (wholesale sweep program accounts) below.

Number
Balance ($)
Avg. Balance ($)

NR

Consumer accounts
In 2.a
InstPrflTDAsCons_Bal
InstPrflTDAsCons_Avg

Number
Balance ($)
Avg. Balance ($)
% of transaction deposit accounts (Number)

NR
NR

Business/government accounts
In 2.b
InstPrflTDAsBus_Bal
InstPrflTDAsBus_Avg

Number
Balance ($)
Avg. Balance ($)
% of transaction deposit accounts (Number)

NR
NR

Number
Balance ($)
Avg. Balance ($)

NR
NR
NR

Transaction deposit accounts (including Demand Deposit Accounts (DDAs))
In 3
InstPrflTDAsR(repeat item 2) = 3.a + 3.b
InstPrflTDAsRPlease report average of monthly totals in 2024, meaning the average end-of-month totals for
each of the months in 2024.
In 3.a
InstPrflPpdAc
InstPrflPpdAc

General-purpose prepaid card program accounts
Include: Individual and pooled general-purpose prepaid card program accounts for which
your institution is the issuer. (Count each pooled account as 1 account.)

Number
Balance ($)
Avg. Balance ($)
% of transaction deposit accounts (Number)

NR
NR

In 3.b
InstPrflOth_Bal
InstPrflOth_Avg

All other accounts

Number
Balance ($)
Avg. Balance ($)
% of transaction deposit accounts (Number)

NR
NR

In 4

Did your institution or any of its affiliates employ the use of a retail sweep program (i.e.,
reserve sweep program) during calendar year 2024?
We use your institution's deposit balances as a sizing measure. Understanding if your institution
used a retail sweep program will help inform our estimates. Do not consider wholesale sweep
program accounts (i.e., corporate sweep program accounts). If your answer is "No," please
report "0" for item 5 and its subsets below.

Page 4 of 29

Institution Profile

2024 Data

Retail sweep program accounts (i.e., reserve sweep program accounts)
In 5
InstPrflRetailS= 5.a + 5.b
InstPrflRetailSPlease report average of monthly totals in 2024, meaning the average end-of-month totals for
each of the months in 2024.
Include: Savings and money market deposit accounts associated with retail sweep programs.
Do not include: Balances reported in items 2 and 3 above (transaction deposit accounts), item
7 below (wholesale sweep program accounts), or accounts and balances of any savings-type
account not associated with transaction deposit accounts under a sweep program.

Number
Balance ($)
Avg. Balance ($)

NR

Consumer accounts
In 5.a
InstPrflRetailSwpAcctCons_Bal
InstPrflRetailSwpAcctCons_Avg

Number
Balance ($)
Avg. Balance ($)
% of retail sweep program accounts (Number)

NR
NR

Business/government accounts
In 5.b
InstPrflRetailSwpAcctBus_Bal
InstPrflRetailSwpAcctBus_Avg

Number
Balance ($)
Avg. Balance ($)
% of retail sweep program accounts (Number)

NR
NR

Number
Balance ($)
Avg. Balance ($)

NR

Number
Balance ($)
Avg. Balance ($)

NR

Consumer accounts
In 9.a
InstPrflCrdAcctCons_Bal
InstPrflCrdAcctCons_Avg

Number
Balance ($)
Avg. Balance ($)
% of total general-purpose credit card accounts (Number)

NR
NR

Business/government accounts
In 9.b
InstPrflCrdAcctBus_Bal
InstPrflCrdAcctBus_Avg

Number
Balance ($)
Avg. Balance ($)
% of total general-purpose credit card accounts (Number)

NR
NR

In 6

Did your institution provide a wholesale sweep program (i.e., corporate sweep program)
to your business accountholders during calendar year 2024?
Do not include: Retail sweep program accounts (i.e., reserve sweep program accounts). If
your answer is "No," please report "0" for item 7 below.

Wholesale sweep program accounts
In 7
InstPrflWholesPlease report average of monthly totals in 2024, meaning the average end-of-month totals for
InstPrflWholeseach of the months in 2024.
Include: Corporate sweep accounts in which funds from your business accountholders are
swept overnight into investment instruments.
Do not include: Balances reported in items 2 and 3 (transaction deposit accounts) and item 5
(retail sweep program accounts) above, or accounts and balances of any savings-type account
not associated with transaction deposit accounts under a sweep program.

CREDIT CARD ACCOUNTS
In 8

Did your institution issue general-purpose credit cards and hold accounts associated
with them in 2024?
If "Yes," please report the number of and balances for these accounts in items 9 and 10 and
their subsets below. If your institution partnered with another depository institution that issues
the cards on your behalf (sometimes called a "white-label issuer"), please report "No" to this
question and zero for accounts and balances in items 9 and 10 and their subsets below.
Note: Please ensure your answer to the question above is consistent with your answers in the
General-Purpose Credit Cards section. In particular, if your answer is "No" to item 8 above,
please report "No" for item 1 and "0" for items 4 through 9 and their subsets in the GeneralPurpose Credit Cards section.

Total general-purpose credit card accounts = 9.a + 9.b
In 9
InstPrflCrdAccPlease report average of monthly totals in 2024, meaning the average end-of-month totals for
InstPrflCrdAcceach of the months in 2024.
Include: All general-purpose credit card accounts including zero-balance active accounts with
a credit line and the ability to transact.
Do not include: Closed accounts.

Page 5 of 29

Institution Profile

2024 Data

Consumer general-purpose credit card accounts (repeat item 9.a)
In 10
InstPrflCrdAcc= 10.a + 10.b + 10.c + 10.d
InstPrflCrdAccPlease report average of monthly totals in 2024, meaning the average end-of-month totals for
each of the months in 2024.
With zero balance (no current balance, no revolving balance)
In 10.a
InstPrflCrdAcctConsZeroBal_Bal
InstPrflCrdAcctConsZeroBal_Avg

Number
Balance ($)
Avg. Balance ($)
% of consumer general-purpose credit card accounts
(Number)

With current balance only (nonzero current balance, no revolving balance)
In 10.b
InstPrflCrdAcctConsCurrOnly_Bal
InstPrflCrdAcctConsCurrOnly_Avg

With revolving balance only (no current activity)
In 10.c
InstPrflCrdAcctConsRevOnly_Bal
InstPrflCrdAcctConsRevOnly_Avg

In

10.d.1

10.d.2

Number
Balance ($)
Avg. Balance ($)
% of consumer general-purpose credit card accounts
(Number)

Number
Balance ($)
Avg. Balance ($)
% of consumer general-purpose credit card accounts
(Number)

With current and revolving balances = 10.d.1 + 10.d.2
In 10.d
InstPrflCrdAcctConsCurrRev_Bal
InstPrflCrdAcctConsCurrRev_Avg

In

Number
Balance ($)
Avg. Balance ($)

Number
Balance ($)
Avg. Balance ($)
% of consumer general-purpose credit card accounts
(Number)

Current balance

Balance ($)
% of consumer general-purpose credit card accounts with
current and revolving balances (Balance)

Revolving balance

Balance ($)
% of consumer general-purpose credit card accounts with
current and revolving balances (Balance)

Comments

In

Page 6 of 29

NR
NR
NR

$0.00
NR
NR

NR
NR

NR
NR

NR
NR

NR

NR

Checks
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
This section covers all cleared and settled domestic and cross-border checks. Please include third-party fraudulent checks, defined as cleared and settled checks that a third-party initiated with the intent to
deceive for personal gain without the authorization, agreement, or voluntary assistance of an authorized check signer.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

CHECK PROFILE
C1

C

Did your institution outsource check processing to another organization (i.e., its
"processor") during calendar year 2024?
If your answer is "No," please report "Not applicable" for item 1.a below.
1.a

If your answer is "Yes, in all cases" or "Yes, in some cases" to item 1 above, are
you able to include these outsourced portions in your answers below?
If possible, please report your institution's check volume processed by another
organization. If your answer is "No" to item 1.a above, please report all check volume
processed by your institution and explain in the comments box at the end of this section.

C2

Are you able to exclude non-check documents from "total checks drawn on your
institution" in items 5 and 6 below?
Non-check documents are "other" items processed on check sorters (e.g., batch headers,
general ledger tickets, cash-in or cash-out tickets, deposit slips). Even if you are unable to
exclude non-check documents, please report all check volumes drawn on your institution,
including non-check documents.

C3

Are you able to report checks deposited at one affiliate of your institution but drawn on
another affiliate of your institution as "on-us" volume in item 5.b below?
Some institutions call this "on-we" volume, which should be reported entirely under item 5.b
below if possible. Even if you are unable to report "on-us" volume in item 5.b, please report all
checks drawn on your institution in items 5 and 6 and their subsets below.

C4

Did your institution process checks for an unaffiliated depository institution as part of a
correspondent banking relationship during calendar year 2024?
If your answer is "No," please report "0" for items 5.a.2 and 8.b below.
As a "correspondent bank," your institution holds balances for an unaffiliated depository
institution or "respondent bank" in a due-to account and performs check clearing services on its
behalf.

CHECK PAYMENTS
Checks drawn on your institution. Your customer is the payer.
C5
Total checks drawn on your institution = 5.a + 5.b
ChkPd_Val
ChkPd_Avg
C 5.a
Checks drawn on your institution for which another institution was the "bank of first
deposit" = 5.a.1 + 5.a.2
ChkPdNotBO
ChkPdNotBOFD_Avg

C
5.a.1
ChkPdIncr_Va
ChkPdIncr_Avg

Inclearings

C
5.a.2
"On-us" checks deposited by correspondent customers
ChkPdOnUsC
ChkPdOnUsCorr_Avg

Number
Value ($)
Avg. Value ($)

NR

Number
Value ($)
Avg. Value ($)
% of total checks drawn on your institution (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of checks drawn on your institution for which another institution
was the "bank of first deposit" (Number)
Number
Value ($)
Avg. Value ($)
% of checks drawn on your institution for which another institution
was the "bank of first deposit" (Number)

C 5.b
"On-us" checks for which your institution was the "bank of first deposit"
ChkPdOnUsB
ChkPdOnUsBOFD_Avg

Number
Value ($)
Avg. Value ($)
% of total checks drawn on your institution (Number)

Page 7 of 29

NR
NR

NR
NR

NR
NR

Checks

2024 Data

C6
Total checks drawn on your institution (repeat item 5) = 6.a + 6.b
ChkPdRept1_Val
ChkPdRept1_Avg

Number
Value ($)
Avg. Value ($)

NR
NR
NR

C 6.a
From consumer accounts
ChkPdCons_Val
ChkPdCons_Avg

Number
Value ($)
Avg. Value ($)
% of total checks drawn on your institution (Number)

NR
NR

C 6.b
ChkPdBus_Val
ChkPdBus_Avg

Number
Value ($)
Avg. Value ($)
% of total checks drawn on your institution (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
Checks drawn fraud rate (Number)
Checks drawn fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)

NR

Number
Value ($)
Avg. Value ($)
% of total checks deposited at your institution (Number)

NR
NR

From business/government accounts

C7
Third-party fraudulent checks drawn on your institution
ChkPdUTPF_ Include: All cleared and settled third-party fraudulent check transactions regardless of whether
ChkPdUTPF_ a loss is incurred. (A fraudulent "on-us" check is considered cleared and settled if funds were
ChkPdUTPF_ made available to the receiving accountholder.)
ChkPdUTPF_ Do not include: Fraud attempts that were prevented before the check was cleared and settled,
fraud attempts that resulted in frozen funds (funds not made available to the perpetrator), or
fraud committed by your institution's accountholders (first-party fraud).

CHECK DEPOSITS
Checks deposited with and collected by your institution. Your customer is the beneficiary.
C8
Total checks deposited at your institution = 8.a + 8.b
ChkDep_Val
ChkDep_Avg
C 8.a
Checks deposited by non-depository institutions = 8.a.1 + 8.a.2
ChkDepNonCorr_Val
ChkDepNonCorr_Avg

C
8.a.1
Image deposits
ChkDepNonCorrImg_Val
ChkDepNonCorrImg_Avg

Number
Value ($)
Avg. Value ($)
% of checks deposited by non-depository institutions
(Number)

C
8.a.2
All other deposits
ChkDepNonCorrOth_Val
ChkDepNonCorrOth_Avg

Number
Value ($)
Avg. Value ($)
% of checks deposited by non-depository institutions
(Number)

C 8.b
Checks deposited by depository institution customers (correspondent check
deposits)
ChkDepCorr_
ChkDepCorr_Avg

C9
Third-party fraudulent checks deposited at your institution
ChkDepUTPFInclude: All cleared and settled third-party fraudulent check transactions regardless of whether
ChkDepUTPFa loss is incurred. (A fraudulent "on-us" check is considered cleared and settled if funds were
ChkDepUTPFmade available to the receiving accountholder.)
ChkDepUTPFDo not include: Fraud attempts that were prevented before the check was cleared and settled,
fraud attempts that resulted in frozen funds (funds not made available to the perpetrator), or
fraud committed by your institution's accountholders (first-party fraud).

Page 8 of 29

NR
NR

NR
NR

Number
Value ($)
Avg. Value ($)
% of total checks deposited at your institution (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
Checks deposited fraud rate (Number)
Checks deposited fraud rate (Value)

NR
NR
NR

Checks

2024 Data

OUTGOING RETURNS
All checks received for payment by your institution that were returned unpaid.
C 10
Total outgoing and "on-us" returned checks = 10.a + 10.b
ChkPdRet_VaAll checks drawn on your institution that it returned unpaid to another institution or to your
ChkPdRet_Avinstitution's accountholder.
ChkPdRet_Num_Rate
ChkPdRet_Val_Rate
Checks your institution returned unpaid to the collecting institution
C 10.a
ChkPdRetInst
Include: Checks your institution returned to correspondent customers.
ChkPdRetInst_Avg

Number
Value ($)
Avg. Value ($)
Outgoing and "on-us" checks return rate (Number)
Outgoing and "on-us" checks return rate (Value)
Number
Value ($)
Avg. Value ($)

NR
NR
NR

NR

Checks your institution returned unpaid to the collecting
institution return rate (Number)

NR

Checks your institution returned unpaid to the collecting
institution return rate (Value)

NR

Number
Value ($)
Avg. Value ($)
"On-us" checks your institution returned unpaid to your
institution's accountholder return rate (Number)

NR

"On-us" checks your institution returned unpaid to your
institution's accountholder return rate (Value)

NR

Number
Value ($)
Avg. Value ($)
All outgoing and "on-us" checks return rate (Number)
All outgoing and "on-us" checks return rate (Value)

NR
NR
NR
NR
NR

Number
Value ($)
Avg. Value ($)
% of total outgoing and "on-us" returned checks (Number)

NR
NR

C
11.a.1
Remotely created checks
ChkPdRetUnauthRCC_Val
ChkPdRetUnauthRCC_Avg

Number
Value ($)
Avg. Value ($)
% of unauthorized returned checks (Number)

NR
NR

C
11.a.2
Forgery/suspected forgery
ChkPdRetUnauthForgery_Val
ChkPdRetUnauthForgery_Avg

Number
Value ($)
Avg. Value ($)
% of unauthorized returned checks (Number)

NR
NR

C
11.a.3
Other unauthorized
ChkPdRetUnauthOth_Val
ChkPdRetUnauthOth_Avg

Number
Value ($)
Avg. Value ($)
% of unauthorized returned checks (Number)

NR
NR

C 11.b
Nonsufficient funds
ChkPdRetNSF_Val
ChkPdRetNSF_Avg

Number
Value ($)
Avg. Value ($)
% of total outgoing and "on-us" returned checks (Number)

NR
NR

C 11.c
Duplicate presentment
ChkPdRetDupPresnt_Val
ChkPdRetDupPresnt_Avg

Number
Value ($)
Avg. Value ($)
% of total outgoing and "on-us" returned checks (Number)

NR
NR

C 11.d
Other (including administrative returns)
ChkPdRetOth_Val
ChkPdRetOth_Avg

Number
Value ($)
Avg. Value ($)
% of total outgoing and "on-us" returned checks (Number)

NR
NR

C 10.b
"On-us" checks your institution returned unpaid to your institution's accountholder
ChkPdRetOnU
ChkPdRetOnUs_Avg

Total outgoing and "on-us" returned checks (repeat item 10)
C 11
ChkPdRetRep= 11.a + 11.b + 11.c + 11.d
ChkPdRetRepAll checks drawn on your institution that it returned unpaid to another institution or to your
institution's accountholder.

Unauthorized returned checks = 11.a.1 + 11.a.2 + 11.a.3
C 11.a
ChkPdRetUnauth_Val
ChkPdRetUnauth_Avg

Comments

ChkCmmnts

Page 9 of 29

NR

ACH
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
This section covers all cleared and settled domestic and cross-border ACH transfers. Please include third-party fraudulent ACH transfers, defined as cleared and settled ACH transfers that a third-party
initiated with the intent to deceive for personal gain without the authorization, agreement, or voluntary assistance of an authorized payer.
The first part covers your institution's ACH profile, the second part covers ACH originations, the third part covers ACH receipts, and the fourth part covers outgoing returns.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

ACH PROFILE
AC1

Did your institution post transactions from other payment instruments to your Demand
Deposit Account (DDA) system using your ACH platform during calendar year 2024?
Rather than maintaining an interface between your institution's DDA system and a particular
transaction processing system (e.g., signature-based debit card or wire transfer), your institution
creates a separate ACH entry to post each of those non-ACH transactions.

AC2

Did your institution originate forward ACH credits (not including returns or offset entries)
during calendar year 2024?
Some institutions refer to forward originations as "live items." If your answer is "No," please
report "Not applicable" for item 5 below, and report "0" for items 6 through 9 and their subsets
below.

AC3

Did your institution originate forward ACH debits (not including returns or offset entries)
during calendar year 2024?
Some institutions refer to forward originations as "live items." If your answer is "No," please
report "0" for items 10, 11, and 14.b below. (If you do not originate debit entries, then you will
not receive in-house on-us debit entries.)

AC4

Did your institution originate offset ACH debit or credit entries during calendar year
2024?
An offset ACH entry is an on-us entry used to effect settlement by an originating depository
financial institution (ODFI). For example, when acting as ODFI for one hundred credit entries for
$1,000 each for a corporate accountholder, an ODFI might originate a single $100,000 debit
entry to draw funds from the originator's funding account.
If your answer is "No," please report "Not applicable" for items 4.a and 4.b below.

AC 4.a

If your answer is "Yes" to item 4 above, are you able to exclude offset ACH volumes
from balanced files in your answers below?
Even if you are not able to exclude all offset volumes from balanced files, please report the
number and value of your institution's forward ACH entries and third-party fraud for all
items below.
Balanced files contain offsetting entries that automatically credit or debit the customer's
Demand Deposit Account (DDA) for the debit and/or credit transactions on the file. The
debit and credit offset entries should equal the value of the credit and debit originated
entries respectively in the received file from the accountholder.

AC 4.b

If your answer is "Yes" to item 4 above, are you able to exclude offset ACH volumes
from unbalanced files in your answers below?
Even if you are not able to exclude all offset volumes from unbalanced files, please report
the number and value of your institution's forward ACH entries and third-party fraud for all
items below.
Unbalanced files do not have an offsetting entry that automatically credits or debits the
customer's Demand Deposit Account (DDA) for the debit and/or credit originated. After
receiving the file from the accountholder, the ODFI will then originate the offset entries to
balance the file. Most institutions prefer to receive unbalanced files.

AC5

Did your institution offer same-day settlement of ACH credit originations during calendar
year 2024?
If your answer is "No," please report "0" for items 8.a and 9.a below.

Page 10 of 29

ACH

2024 Data

ACH ORIGINATIONS
Your institution is the originating depository financial institution (ODFI).
An ODFI is the depository institution that initiates and warrants electronic payments through the ACH network (or on-us) on behalf of its customers. Some institutions refer to forward originations as "live
items."

CREDIT ENTRIES ORIGINATED
Total forward ACH credit entries your institution originated (ODFI credits)
AC6
= 6.a + 6.b + 6.c
AC
ACHCrdOrig_Your customer is the payer.

Number
Value ($)
Avg. Value ($)

NR

AC 6.a
AC
ACHCrdOrigN

Network
A network ACH entry is one that is cleared through a network operator (i.e., the Federal
Reserve or EPN). Please consider all network ACH entries, including network on-us ACH
entries (those for which your institution is both the ODFI and the receiving depository
financial institution (RDFI)) and volume sent or received by a correspondent bank on
behalf of your institution via a network operator.

Number
Value ($)
Avg. Value ($)
% of total forward ACH credits originated (Number)

NR
NR

AC 6.b
AC
ACHCrdOrigO

In-house on-us
An in-house on-us ACH entry is one for which your institution is both the ODFI and the
RDFI without the use of a network operator (i.e., the Federal Reserve or EPN), for clearing
or settlement. In-house on-us entries result in the movement of funds from one account to
another within your institution.

Number
Value ($)
Avg. Value ($)
% of total forward ACH credits originated (Number)

NR
NR

AC 6.c
AC
ACHCrdOrigD

Direct exchange
A direct exchange ACH entry is one that is exchanged directly between your institution and
another. Some institutions call these "direct send" entries. Direct exchange does not
include volume sent or received by a correspondent bank on behalf of your institution.
Correspondent volume should be included with Network ACH entries.

Number
Value ($)
Avg. Value ($)
% of total forward ACH credits originated (Number)

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

Number
Value ($)
Avg. Value ($)
% of total forward ACH credits originated (Number)

NR
NR

Total forward ACH credit entries your institution originated (ODFI credits)
AC7
(repeat item 6) = 7.a + 7.b
AC
ACHCrdOrigRYour customer is the payer.
From consumer accounts
AC 7.a
AC
ACHCrdOrigCons_Avg

From business/government accounts
AC 7.b
AC
ACHCrdOrigBus_Avg

Number
Value ($)
Avg. Value ($)
% of total forward ACH credits originated (Number)

AC8
AC

Total forward ACH credit entries your institution originated (ODFI credits)
(repeat item 6) = 8.a + 8.b

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

Same-day settlement
AC 8.a
AC
ACHCrdOrigSameDay_Avg

Number
Value ($)
Avg. Value ($)
% of total forward ACH credits originated (Number)

NR
NR

Non-same-day settlement
AC 8.b
AC
ACHCrdOrigNoSameDay_Avg

Number
Value ($)
Avg. Value ($)
% of total forward ACH credits originated (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
Forward ACH credits originated fraud rate (Number)
Forward ACH credits originated fraud rate (Value)

NR
NR
NR

ACHCrdOrigRYour customer is the payer.

Forward ACH credit entries your institution originated and identified as third-party
AC9
ACHCrdOrigUpayments fraud (fraudulent ODFI credits) = 9.a + 9.b
ACHCrdOrigUYour customer is the payer.
ACHCrdOrigUInclude: All cleared and settled third-party fraudulent ACH transactions regardless of whether a
ACHCrdOrigUloss is incurred. (A fraudulent "on-us" ACH transfer is considered cleared and settled if funds
were made available to the receiving accountholder.)
Do not include: Fraud attempts that were prevented before the ACH was cleared and settled,
fraud attempts that resulted in frozen funds (funds not made available to the perpetrator), or
fraud committed by your institution's accountholders (first-party fraud).
Same-day settlement
AC 9.a
ACHCrdOrigU
ACHCrdOrigUTPFSameDay_Avg

Number
Value ($)
Avg. Value ($)
Same-day settlement forward ACH credits originated
fraud rate (Number)

ACHCrdOrigUTPFSameDay_Num_Rate

Same-day settlement forward ACH credits originated
fraud rate (Value)

ACHCrdOrigUTPFSameDay_Val_Rate

Page 11 of 29

NR
NR
NR

ACH

2024 Data

Non-same-day settlement
AC 9.b
ACHCrdOrigU
ACHCrdOrigUTPFNoSameDay_Avg

Number
Value ($)
Avg. Value ($)
Non-same-day settlement forward ACH credits originated
fraud rate (Number)

ACHCrdOrigUTPFNoSameDay_Num_Rate

Non-same-day settlement forward ACH credits originated
fraud rate (Value)

ACHCrdOrigUTPFNoSameDay_Val_Rate

NR
NR
NR

DEBIT ENTRIES ORIGINATED
Total forward ACH debit entries your institution originated (ODFI debits)
AC10
ACHDbOrig_VYour customer is the payee.
ACHDbOrig_Avg

Forward ACH debit entries your institution originated and identified as third-party
AC11
ACHDbOrigU payments fraud (fraudulent ODFI debits)
ACHDbOrigU Your customer is the payee.
ACHDbOrigU Include: All cleared and settled third-party fraudulent ACH transactions regardless of whether a
ACHDbOrigU loss is incurred. (A fraudulent "on-us" ACH transfer is considered cleared and settled if funds
were made available to the receiving accountholder.)
Do not include: Fraud attempts that were prevented before the ACH was cleared and settled,
fraud attempts that resulted in frozen funds (funds not made available to the perpetrator), or
fraud committed by your institution's accountholders (first-party fraud).

Number
Value ($)
Avg. Value ($)

NR

Number
Value ($)
Avg. Value ($)
Forward ACH debits originated fraud rate (Number)
Forward ACH debits originated fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)

NR

Number
Value ($)
Avg. Value ($)
Forward ACH credits received fraud rate (Number)
Forward ACH credits received fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)

NR

ACH RECEIPTS
Your institution is the receiving depository financial institution (RDFI).
An RDFI is the depository institution that accepts and posts ACH transactions to customer accounts.

CREDIT ENTRIES RECEIVED
Total forward ACH credit entries your institution received (RDFI credits)
AC12
Your customer is the payee.
AC
ACHCrdRec_Avg

Forward ACH credit entries your institution received and identified as third-party
AC13
ACHCrdRecUpayments fraud (fraudulent RDFI credits)
ACHCrdRecUYour customer is the payee.
ACHCrdRecUInclude: All cleared and settled third-party fraudulent ACH transactions regardless of whether a
ACHCrdRecUloss is incurred. (A fraudulent "on-us" ACH transfer is considered cleared and settled if funds
were made available to the receiving accountholder.)
Do not include: Fraud attempts that were prevented before the ACH was cleared and settled,
fraud attempts that resulted in frozen funds (funds not made available to the perpetrator), or
fraud committed by your institution's accountholders (first-party fraud).

DEBIT ENTRIES RECEIVED
Total forward ACH debit entries your institution received (RDFI debits)
AC14
ACHDbRec_V= 14.a + 14.b + 14.c
ACHDbRec_AYour customer is the payer.
AC 14.a
AC
ACHDbRecNt

Network
A network ACH entry is one that is cleared through a network operator (i.e., the Federal
Reserve or EPN). Please consider all network ACH entries, including those for which your
institution is both the ODFI and RDFI (i.e., network on-us ACH entries), and volume sent or
received by a correspondent bank on behalf of your institution via a network operator.

Number
Value ($)
Avg. Value ($)
% of total forward ACH debits received (Number)

NR
NR

AC 14.b
AC
ACHDbRecO

In-house on-us
An in-house on-us ACH entry is one for which your institution is both the ODFI and the
RDFI without the use of a network operator (i.e., the Federal Reserve or EPN), for clearing
or settlement. In-house on-us entries result in the movement of funds from one account to
another within your institution.

Number
Value ($)
Avg. Value ($)
% of total forward ACH debits received (Number)

NR
NR

AC 14.c
AC
ACHDbRecD

Direct exchange
A direct exchange ACH entry is one that is exchanged directly between your institution and
another. Some institutions call these "direct send" entries. Direct exchange does not
include volume sent or received by a correspondent bank on behalf of your institution.
Correspondent volume should be included with Network ACH entries.

Number
Value ($)
Avg. Value ($)
% of total forward ACH debits received (Number)

NR
NR

Page 12 of 29

ACH
AC15
AC

2024 Data

Total forward ACH debit entries your institution received (RDFI debits)
(repeat item 14) = 15.a + 15.b

Number
Value ($)
Avg. Value ($)

NR
NR
NR

For consumer accounts
AC 15.a
AC
ACHDbRecCons_Avg

Number
Value ($)
Avg. Value ($)
% of total forward ACH debits received (Number)

NR
NR

For business/government accounts
AC 15.b
AC
ACHDbRecBus_Avg

Number
Value ($)
Avg. Value ($)
% of total forward ACH debits received (Number)

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

Same-day settlement
AC 16.a
ACHDbRecSa
ACHDbRecSameDay_Avg

Number
Value ($)
Avg. Value ($)
% of total forward ACH debits received (Number)

NR
NR

Non-same-day settlement
AC 16.b
ACHDbRecNoSameDay_Val
ACHDbRecNoSameDay_Avg

Number
Value ($)
Avg. Value ($)
% of total forward ACH debits received (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
Forward ACH debits received fraud rate (Number)
Forward ACH debits received fraud rate (Value)

NR
NR
NR

ACHDbRecReYour customer is the payer.

Total forward ACH debit entries your institution received (RDFI debits)
AC16
(repeat item 14) = 16.a + 16.b
AC
ACHDbRecReYour customer is the payer.

Forward ACH debit entries your institution received and identified as third-party
AC17
ACHDbRecUTpayments fraud (fraudulent RDFI debits) = 17.a + 17.b
ACHDbRecUTYour customer is the payer.
ACHDbRecUTInclude: All cleared and settled third-party fraudulent ACH transactions regardless of whether a
ACHDbRecUTloss is incurred. (A fraudulent "on-us" ACH transfer is considered cleared and settled if funds
were made available to the receiving accountholder.)
Do not include: Fraud attempts that were prevented before the ACH was cleared and settled,
fraud attempts that resulted in frozen funds (funds not made available to the perpetrator), or
fraud committed by your institution's accountholders (first-party fraud).
Same-day settlement
AC 17.a
ACHDbRecUT
ACHDbRecUTPFSameDay_Avg

Number
Value ($)
Avg. Value ($)
Same-day settlement forward ACH debits received
fraud rate (Number)

ACHDbRecUTPFSameDay_Num_Rate

Same-day settlement forward ACH debits received
fraud rate (Value)

ACHDbRecUTPFSameDay_Val_Rate
Non-same-day settlement
AC 17.b
ACHDbRecUT
ACHDbRecUTPFNoSameDay_Avg

Number
Value ($)
Avg. Value ($)
Non-same-day settlement forward ACH debits received
fraud rate (Number)

ACHDbRecUTPFNoSameDay_Num_Rate

Non-same-day settlement forward ACH debits received
fraud rate (Value)

ACHDbRecUTPFNoSameDay_Val_Rate

NR
NR
NR

NR
NR
NR

OUTGOING RETURNS
ACH outgoing debit returns (i.e., debit return entries your institution originated including
AC18
"on-us" debit returns)
AC
ACHOutgDbRForward ACH debit entries your institution received and were subsequently returned by your
ACHOutgDbRinstitution, the RDFI. Your customer is the payer for the forward debit being returned.
ACHOutgDbR

Comments

AC

Page 13 of 29

Number
Value ($)
Avg. Value ($)
ACH outgoing debits received return rate (Number)
ACH outgoing debits received return rate (Value)

NR
NR
NR

Wire Transfers
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
This section covers all cleared and settled domestic and cross-border wire transfers. Please include third-party fraudulent wire transfers, defined as cleared and settled wire transfers that a third-party
initiated with the intent to deceive for personal gain without the authorization, agreement, or voluntary assistance of an authorized payer.
The first part covers outgoing wire transfers originated by your institution. The second part covers incoming wire transfers received by your institution.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

WIRE TRANSFERS ORIGINATED (OUTGOING)
Your customer is the payer. Include wires for which your institution is the payer (referred to as "settlement/bank business").
W1

W 1.a

Did your institution originate wires on behalf of an unaffiliated depository institution
during calendar year 2024 (i.e., correspondent volume)?
If your answer is "No," please report "Not applicable" for item 1.a below.
If your answer is "Yes" to item 1 above, are you able to exclude these volumes from
your answers below?
If your answer is "Yes, in some cases," please explain in the comments box at the end of
this section. Even if you are unable to exclude these volumes, please report all wires
originated by your institution below.

W2

W 2.a

Did an unaffiliated depository institution originate wires on behalf of your institution
during calendar year 2024?
If your answer is "No," please report "Not applicable" for item 2.a below.
If your answer is "Yes" to item 2 above, are you able to include these volumes in
your answers below?
If your answer is "Yes, in some cases," please explain in the comments box at the end of
this section. Even if you are unable to include these volumes, please report all wires
originated by your institution below.

Number
Value ($)
Avg. Value ($)

NR

From consumer accounts
W 3.a
W
WireOrigCons_Avg

Number
Value ($)
Avg. Value ($)
% of total wire transfer originations (Number)

NR
NR

W 3.b
From business/government accounts = 3.b.1 + 3.b.2
W
WireOrigBus_Avg

Number
Value ($)
Avg. Value ($)
% of total wire transfer originations (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of wire transfer originations from business/government
accounts (Number)

NR

Number
Value ($)
Avg. Value ($)
% of wire transfer originations from business/government
accounts (Number)

NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

Number
Value ($)
Avg. Value ($)
% of total wire transfer originations (Number)

NR
NR

W3
Total wire transfer originations (outgoing) = 3.a + 3.b
Include: All wire transfers originated by your institution's U.S. domiciled accountholders with
W
WireOrig_Avgeither a domestic or foreign beneficiary. Include funds transfers originated using the large-value
systems (i.e., Fedwire and CHIPS). Include payments that your institution's accountholders
submitted and settled through these systems directly or through a correspondent. Include book
transfers (i.e., internal transfers using your institution's wire platform).
Do not include: Wire transfers your institution originated on behalf of an unaffiliated depository
institution (i.e., correspondent volume).

3.b.1
Settlement/bank business
W
W
WireOrigBusSttlBk_Avg

3.b.2
W
W
WireOrigBusOth_Avg

All other business/government

W4
Total wire transfer originations (outgoing) (repeat item 3) = 4.a + 4.b
W
WireOrigRept1_Avg
Domestic (U.S.) payee
W 4.a
W
WireOrigDom_Avg

Page 14 of 29

NR

NR

Wire Transfers

2024 Data

Foreign payee
W 4.b
W
WireOrigFrgn_Avg

Number
Value ($)
Avg. Value ($)
% of total wire transfer originations (Number)

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

Sent through a network (i.e., Fedwire or CHIPS) or a correspondent bank
W 5.a
W
WireOrigNtwk_Avg

Number
Value ($)
Avg. Value ($)
% of total wire transfer originations (Number)

NR
NR

Book transfers (i.e., internal transfers using your institution's wire platform)
W 5.b
W
WireOrigBkTransf_Avg

Number
Value ($)
Avg. Value ($)
% of total wire transfer originations (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
Wire transfer originations fraud rate (Number)
Wire transfer originations fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)
Domestic payee wire transfer originations fraud rate (Number)
Domestic payee wire transfer originations fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)
Foreign payee wire transfer originations fraud rate (Number)
Foreign payee wire transfer originations fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)

NR

W5
Total wire transfer originations (outgoing) (repeat item 3) = 5.a + 5.b
W
WireOrigRept2_Avg

Third-party fraudulent wire transfer originations (outgoing) = 6.a + 6.b
W6
Include: All cleared and settled third-party fraudulent wire transfers regardless of whether a
W
WireOrigUTP loss is incurred. (A fraudulent "on-us" wire transfer is considered cleared and settled if funds
WireOrigUTP were made available to the receiving accountholder.)
WireOrigUTP Do not include: Fraud attempts that were prevented before the wire transfer was cleared and
settled, fraud attempts that resulted in frozen funds (funds not made available to the
perpetrator), or fraud committed by your institution's accountholders (first-party fraud).
Domestic (U.S.) payee
W 6.a
W
WireOrigUTPFDom_Avg
WireOrigUTPFDom_Num_Rate
WireOrigUTPFDom_Val_Rate

Foreign payee
W 6.b
W
WireOrigUTPFFrgn_Avg
WireOrigUTPFFrgn_Num_Rate
WireOrigUTPFFrgn_Val_Rate

WIRE TRANSFERS RECEIVED (INCOMING)
Your customer is the payee. Include wires received for which your institution is the payee.
W7

W 7.a

Did your institution receive wires on behalf of an unaffiliated depository institution
during calendar year 2024 (i.e., correspondent volume)?
If your answer is "No," please report "Not applicable" for item 7.a below.
If your answer is "Yes" to item 7 above, are you able to exclude these volumes from
your answers below?
If your answer is "Yes, in some cases," please explain in the comments box at the end of
this section. Even if you are unable to exclude these volumes, please report all wires
received by your institution below.

W8

W 8.a

Did an unaffiliated depository institution receive wires on behalf of your institution
during calendar year 2024?
If your answer is "No," please report "Not applicable" for item 8.a below.
If your answer is "Yes" to item 8 above, are you able to include these volumes in
your answers below?
If your answer is "Yes, in some cases," please explain in the comments box at the end of
this section. Even if you are unable to include these volumes, please report all wires
received by your institution below.

Total wire transfer receipts (incoming)
W9
WireRec_Val Include: All wire transfers received by your institution's U.S. domiciled accountholders with
WireRec_Avgeither a domestic or foreign wire- sender. Include funds transfers received using the large-value
systems (i.e., Fedwire and CHIPS). Include payments that your institution's accountholders
received and settled through these systems directly or through a correspondent. Include book
transfers (i.e., internal transfers using your institution's wire platform).
Do not include: Wire transfers your institution received on behalf of an unaffiliated depository
institution (i.e., correspondent volume).

Page 15 of 29

Wire Transfers

2024 Data

Third-party fraudulent wire transfer receipts (incoming)
W10
WireRecUTPFInclude: All cleared and settled third-party fraudulent wire transfers regardless of whether a
WireRecUTPFloss is incurred. (A fraudulent "on-us" wire transfer is considered cleared and settled if funds
WireRecUTPFwere made available to the receiving accountholder.)
WireRecUTPFDo not include: Fraud attempts that were prevented before the wire transfer was cleared and
settled, fraud attempts that resulted in frozen funds (funds not made available to the
perpetrator), or fraud committed by your institution's accountholders (first-party fraud).

Comments

W

Page 16 of 29

Number
Value ($)
Avg. Value ($)
Wire transfer receipts fraud rate (Number)
Wire transfer receipts fraud rate (Value)

NR
NR
NR

Instant Payments
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
Instant payments are defined as irrevocable push payments drawn on a depository institution and authorized, cleared, and settled in real time or near-real time with funds availability to the
recipient usually within seconds.
This section covers all cleared and settled domestic instant payments. Please include third-party fraudulent instant payments, defined as cleared and settled instant payments that a third-party initiated with
the intent to deceive for personal gain without the authorization, agreement, or voluntary assistance of an authorized payer.
The first part covers your institution's instant payments profile, and the second part covers instant payments sent.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

INSTANT PAYMENTS PROFILE
In 1

Did your institution send instant payments during calendar year 2024?
If your answer is "No," please report "Not applicable" for items 1.a and 1.b below, and report "0"
for items 3 through 5 and their subsets below.
If your answer is "Yes" to item 1 above, did your institution outsource instant
payments processing to a third-party processor?

In 1.a

If your answer is "Yes," please report the number and value of instant payments
processed by your third-party processor for items 3 through 5 and their subsets below.
In 1.b

If your answer is "Yes" to item 1 above, did your institution or its third-party
processor send any on-us instant payments in house without the use of a network
operator?
An in-house on-us instant payment is one for which your institution is both the sending
institution and the receiving institution without the use of a network operator for clearing or
settlement. In-house on-us instant payments result in the movement of funds from one
account to another within your institution.
If your answer is "No," please report "0" for item 3.b below.

In 2

Did your institution receive instant payments during calendar year 2024?
If your answer is "Yes," please do not report these volumes for all items below unless your
institution is both the sending and the receiving depository financial institution.
If your answer is "No," please report "Not applicable" for item 2.a below.

In 2.a

If your answer is "Yes" to item 2 above, did your institution send Requests for Pay
(RFP) on behalf of your institution's customers?

INSTANT PAYMENTS SENT
Your institution is the sending depository financial institution.
In 3
Total instant payments your institution sent = 3.a + 3.b
InstPaySnd_VYour customer is the payer.
InstPaySnd_Avg

Number
Value ($)
Avg. Value ($)

NR

Network
A network instant payment is one that is cleared through a network operator (i.e., RTP or
FedNow). Please consider all network instant payments, including network on-us instant
payments (those for which your institution is both the sending and the receiving depository
financial institution) and volumes sent by a correspondent bank on behalf of your institution
via a network operator.

Number
Value ($)
Avg. Value ($)
% of instant payments sent (Number)

NR
NR

In-house on-us

Number
Value ($)
Avg. Value ($)
% of instant payments sent (Number)

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

In 4.a
From consumer accounts
InstPaySndCo
InstPaySndCons_Avg

Number
Value ($)
Avg. Value ($)
% of instant payments sent (Number)

NR
NR

In 4.b
From business/government accounts
InstPaySndBu
InstPaySndBus_Avg

Number
Value ($)
Avg. Value ($)
% of instant payments sent (Number)

NR
NR

In 3.a
InstPaySndNt
InstPaySndNt

In 3.b
InstPaySndOn
InstPaySndOn

An in-house on-us instant payment is one for which your institution is both the sending and
the receiving institution without the use of a network operator, for clearing or settlement. Inhouse on-us entries result in the movement of funds from one account to another within
your institution.

Total instant payments your institution sent (repeat item 3) = 4.a + 4.b
In 4
InstPaySndReYour customer is the payer.
InstPaySndRept1_Avg

Page 17 of 29

Instant Payments

2024 Data

In 5
Third-party fraudulent instant payments sent
InstPaySndUTInstant payments your institution sent and identified as third-party payments fraud. Your
InstPaySndUTcustomer is the payer. Do not include instant payments received.
InstPaySndUTInclude: All cleared and settled instant payments you identified as fraud perpetrated by a third
InstPaySndUTparty (not the sending customer or accountholder).
Do not include: Payments that were prevented before the instant payment was cleared and
settled, fraud attempts that resulted in frozen funds (funds not made available to the
perpetrator), or fraud committed by your institution's sending customer or accountholder ("firstparty fraud").

Comments

In

Page 18 of 29

Number
Value ($)
Avg. Value ($)
Instant payments sent fraud rate (Number)
Instant payments sent fraud rate (Value)

NR
NR
NR

Debit and General-Purpose Prepaid Cards
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
This section covers counts of physical debit and general-purpose prepaid cards as well as all cleared and settled domestic and cross-border debit and general-purpose prepaid card payments made via a
general-purpose card network, including payments initiated with physical or virtual cards, digital wallets, or other methods. Note: Debit card payments use transaction deposits from a typical transaction
deposit, share draft, or "checking" account. General-purpose prepaid card payments use transaction deposits associated with a prepaid card program account. (Deposit accounts and balances are
reported in the first part of the "Institution Profile" section.)
Please include third-party fraudulent debit and general-purpose prepaid card payments, defined as cleared and settled payments that a third-party initiated with the intent to deceive for personal gain
without the authorization, agreement, or voluntary assistance of an authorized payer.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

DEBIT AND GENERAL-PURPOSE PREPAID CARDS
Your institution is the issuer. Your customer is the payer, accountholder, or cardholder.
D1

Did your institution have debit cards in circulation in 2024 for which your institution was
the issuer?
If your answer is "No," please report "0" for items 5.a and 6.a and their subsets below.

D2

Did your institution offer its customers general-purpose prepaid cards issued by another
financial institution during calendar year 2024?
If your answer is "Yes," please exclude these volumes from all items below.

D

2.a

Did your institution have general-purpose prepaid cards in circulation in 2024 for which
your institution was the issuer?
If your answer is "No," please report "Not applicable" for item 3.a, and "0" for items 5.b and 6.b
and their subsets below.

D3

D

D4

If your answer is "Yes" to item 2 above, are you able to exclude card counts and
transaction volume data from general-purpose prepaid cards issued by another
financial institution from your answers below?

3.a

If your answer is "Yes" to item 3 above, are you able to include all general-purpose
prepaid card counts and transaction volumes (as well as from business/government
general-purpose prepaid card programs) in your answers below?

Did your institution provide virtual debit cards or virtual general-purpose prepaid cards
as a product/service in 2024 for which your institution was the issuer? (Note: Virtual
cards are different from digital wallets.)
Virtual cards are used for online or over the phone purchases and do not require the
accountholder to have a physical card. Virtual cards may provide greater security than a
physical card because they use a unique card number and may have an expiration date and
security code that is only valid at specific merchants or for a specific amount of time. Virtual
cards may be issued for single or multiple transaction use, and they may or may not be added
to digital wallets.
If your answer is "Yes," please exclude virtual cards from the counts in item 5 and its subsets
but include virtual card transactions for all items starting with item 6 and its subsets below.

Number of physical debit and general-purpose prepaid cards = 5.a + 5.b
D5
DbPpdCdInFr Please report average of monthly totals in 2024, meaning the average end-of-month totals for
DbPpdCdInFr each of the months in 2024.
Report debit and general-purpose prepaid cards associated with transaction deposit accounts
reported in the Institution Profile section.
For cards in force, report only debit and general-purpose prepaid cards that can be used at
the point of sale, were issued by your institution, activated by your institution's accountholders,
have not expired at the end of a month, and draw on the transaction deposit accounts reported
in items 2 and 3 in the Institution Profile section.
For cards in force with purchase activity, report only debit and general-purpose prepaid
cards that had at least one point-of-sale (POS) and/or bill payment in a month. Do not include
cards that were only used to withdraw cash.
Debit cards = 5.a.1 + 5.a.2
D 5.a
DbPpdDbCdInFrcPurAct_Num
DbPpdDbCdInFrc_Num_Rate

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force
% of physical debit and general-purpose prepaid cards
in force
% of physical debit and general-purpose prepaid cards
in force with purchase activity

Page 19 of 29

NR

NR
NR
NR

Debit and General-Purpose Prepaid Cards

2024 Data

5.a.1
Consumer
D
DbPpdDbCdInFrcPurActCons_Num
DbPpdDbCdInFrcCons_Num_Rate

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force
% of physical debit cards
in force
% of physical debit cards
in force with purchase activity

5.a.2
Business/government
D
DbPpdDbCdInFrcPurActBus_Num
DbPpdDbCdInFrcBus_Num_Rate

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force
% of physical debit cards
in force
% of physical debit cards
in force with purchase activity

General-purpose prepaid cards = 5.b.1 + 5.b.2
D 5.b
DbPpdPpdCdInFrcPurAct_Num
DbPpdPpdCdInFrc_Num_Rate

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force
% of physical debit and general-purpose prepaid cards
in force
% of physical debit and general-purpose prepaid cards
in force with purchase activity

5.b.1
Reloadable
D
DbPpdPpdCdPurActReload_Num
DbPpdPpdCdInFrcReload_Num_Rate

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force
% of physical general-purpose prepaid cards
in force
% of physical general-purpose prepaid cards
in force with purchase activity

5.b.2
Non-reloadable
D
DbPpdPpdCdPurActNonReload_Num
DbPpdPpdCdInFrcNonReload_Num_Rate

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force
% of physical general-purpose prepaid cards
in force
% of physical general-purpose prepaid cards
in force with purchase activity

Total debit and general-purpose prepaid card transactions = 6.a + 6.b
D6
DbPpd_Val
DbPpd_Avg
D 6.a
DbPpdDb_Val
DbPpdDb_Avg

Debit card transactions = 6.a.1 + 6.a.2

6.a.1
D
DbPpdDbCons_Val
DbPpdDbCons_Avg

From consumer accounts

6.a.2
D
DbPpdDbBus_Val
DbPpdDbBus_Avg

From business/government accounts

D 6.b
DbPpdPpd_Val
DbPpdPpd_Avg

General-purpose prepaid card transactions = 6.b.1 + 6.b.2

Number
Value ($)
Avg. Value ($)
Number
Value ($)
Avg. Value ($)
% of total debit and general-purpose prepaid card transactions
(Number)

NR

NR
NR
NR

NR
NR
NR

NR
NR
NR

NR

NR
NR

Number
Value ($)
Avg. Value ($)
% of debit card transactions (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of general-purpose prepaid card transactions
(Number)

Page 20 of 29

NR
NR

NR
NR

Number
Value ($)
Avg. Value ($)
% of general-purpose prepaid card transactions
(Number)

6.b.2
From non-reloadable accounts
D
DbPpdPpdNonReload_Val
DbPpdPpdNonReload_Avg

NR

Number
Value ($)
Avg. Value ($)
% of debit card transactions (Number)

Number
Value ($)
Avg. Value ($)
% of total debit and general-purpose prepaid card transactions
(Number)

6.b.1
From reloadable accounts
D
DbPpdPpdReload_Val
DbPpdPpdReload_Avg

NR
NR

NR
NR

NR
NR

NR
NR

Debit and General-Purpose Prepaid Cards

2024 Data

Total debit and general-purpose prepaid card transactions (repeat item 6)
D7
DbPpdRept1_= 7.a + 7.b
DbPpdPpdRept1_Avg
D 7.a
DbPpdIP_Val
DbPpdIP_Avg

In-person transactions = 7.a.1 + 7.a.2

7.a.1
D
DbPpdIPPIN_
DbPpdIPPIN_Avg

With a PIN

7.a.2
D
DbPpdIPNoPIN_Val
DbPpdIPNoPIN_Avg

Without a PIN

D 7.b
DbPpdRmt_Val
DbPpdRmt_Avg

Number
Value ($)
Avg. Value ($)
Number
Value ($)
Avg. Value ($)
% of total debit and general-purpose prepaid card transactions
(Number)

Remote transactions = 7.b.1 + 7.b.2

7.b.1
D
DbPpdRmtDo
DbPpdRmtDom_Avg

Domestic (U.S.) payee

7.b.2
D
DbPpdRmtFrgn_Val
DbPpdRmtFrgn_Avg

Foreign payee

D 8.a
DbPpdIPCntls
DbPpdIPCntls

In-person contactless card transactions
Include: Transactions for which a physical card or token was “tapped” or "waved" to pay at
the POS terminal.

Digital wallet transactions = 8.b.1 + 8.b.2
D 8.b
DbPpdDigtWall_Val
DbPpdDigtWall_Avg

NR
NR

Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of total debit and general-purpose prepaid card transactions
(Number)

Total debit and general-purpose prepaid transactions (repeat item 6)
D8
DbPpdRept2_= 8.a + 8.b + 8.c
DbPpdPpdRept2_Avg

NR
NR
NR

NR
NR

Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
*
Number
Value ($)
Avg. Value ($)
% of total debit and general-purpose prepaid card transactions
(Number)
Number
Value ($)
Avg. Value ($)
% of total debit and general-purpose prepaid card transactions
(Number)

NR
NR
NR

NR
NR

NR
NR

8.b.1
D
DbPpdDigtWa
DbPpdDigtWa

In-person
Include: Transactions for which an electronic device, such as a smartphone, smart
watch, or activity tracker, was “tapped” or "waved" to pay at the POS terminal (e.g.,
Apple Pay, Samsung Pay, Google Pay, Fitbit Pay). Such payments are considered
contactless payments, but do not use a physical card or token.

Number
Value ($)
Avg. Value ($)
% of digital wallet transactions (Number)

NR
NR

8.b.2
D
DbPpdDigtWa
DbPpdDigtWa

Remote
Include: In-app transactions or browser transactions made with a digital wallet.
Browser transactions include both digital wallets (e.g., Apple Pay, Google Pay,
Samsung Pay) and third-party tokenized digital wallets (e.g., PayPal, Amazon Pay,
Square Restaurants, Visa Checkout, Masterpass).

Number
Value ($)
Avg. Value ($)
% of digital wallet transactions (Number)

NR
NR

D 8.c
DbPpdOth_Va
DbPpdOth_Av

All other transactions

Number
Value ($)
Avg. Value ($)
% of total debit and general-purpose prepaid card transactions
(Number)

Page 21 of 29

NR
NR

Debit and General-Purpose Prepaid Cards

2024 Data

Third-party fraudulent debit and general-purpose prepaid card transactions
D9
DbPpdUTPF_= 9.a + 9.b
DbPpdUTPF_Include: All cleared and settled third-party fraudulent card network transactions before any
recoveries or chargebacks (i.e., regardless of whether a loss is incurred).
DbPpdUTPF_Do not include: Fraud prevented by declining a transaction or fraud committed by your
institution's accountholders (first-party fraud).
DbPpdUTPF_
In-person transactions = 9.a.1 + 9.a.2
D 9.a
DbPpdUTPFIP_Val
DbPpdUTPFIP_Avg

Number
Value ($)
Avg. Value ($)
Debit and general-purpose prepaid card transactions
fraud rate (Number)
Debit and general-purpose prepaid card transactions
fraud rate (Value)
Number
Value ($)
Avg. Value ($)
In-person debit and general-purpose prepaid card transactions
fraud rate (Number)

DbPpdUTPFIP_Num_Rate

In-person debit and general-purpose prepaid card transactions
fraud rate (Value)

DbPpdUTPFIP_Val_Rate
9.a.1
With a PIN
D
DbPpdUTPFIP
DbPpdUTPFIPPIN_Avg

Number
Value ($)
Avg. Value ($)
In-person with a PIN debit and general-purpose prepaid card
transactions fraud rate (Number)

DbPpdUTPFIPPIN_Num_Rate

In-person with a PIN debit and general-purpose prepaid card
transactions fraud rate (Value)

DbPpdUTPFIPPIN_Val_Rate
9.a.2
Without a PIN
D
DbPpdUTPFIPNoPIN_Val
DbPpdUTPFIPNoPIN_Avg

Number
Value ($)
Avg. Value ($)
In-person without a PIN debit and general-purpose prepaid card
transactions fraud rate (Number)

DbPpdUTPFIPNoPIN_Num_Rate

In-person without a PIN debit and general-purpose prepaid card
transactions fraud rate (Value)

DbPpdUTPFIPNoPIN_Val_Rate
Remote transactions = 9.b.1 + 9.b.2
D 9.b
DbPpdUTPFRmt_Val
DbPpdUTPFRmt_Avg

Number
Value ($)
Avg. Value ($)
Remote debit and general-purpose prepaid card transactions
fraud rate (Number)

DbPpdUTPFRmt_Num_Rate

Remote debit and general-purpose prepaid card transactions
fraud rate (Value)

DbPpdUTPFRmt_Val_Rate
9.b.1
Domestic (U.S.) payee
D
DbPpdUTPFR
DbPpdUTPFRmtDom_Avg

Number
Value ($)
Avg. Value ($)
Domestic payee remote debit and general-purpose prepaid card
transactions fraud rate (Number)

DbPpdUTPFRmtDom_Num_Rate

Domestic payee remote debit and general-purpose prepaid card
transactions fraud rate (Value)

DbPpdUTPFRmtDom_Val_Rate
9.b.2
Foreign payee
D
DbPpdUTPFR
DbPpdUTPFRmtFrgn_Avg

Number
Value ($)
Avg. Value ($)
Foreign payee remote debit and general-purpose prepaid card
transactions fraud rate (Number)

DbPpdUTPFRmtFrgn_Num_Rate
DbPpdUTPFRmtFrgn_Val_Rate

Foreign payee remote debit and general-purpose prepaid card
transactions fraud rate (Value)

Total debit and general-purpose prepaid cash-back at the point of sale
D 10
DbPpdCashB Please report only the cash value ($) portion of the cash-back transaction (e.g., if a customer
DbPpdCashB paid for $100 in goods at the point of sale using a debit or general-purpose prepaid card and
asked for $20 in cash back, please report one transaction for Number and $20 for Value in item
10).
Do not include: ATM cash withdrawals or the amount paid for goods and services.

Number
Value ($)
Avg. Value ($)
% of total debit and general-purpose prepaid card transactions
(Number)
% of total debit and general-purpose prepaid card transactions
(Value)

Comments

D

Page 22 of 29

NR
NR
NR

NR
NR
NR

NR
NR
NR

NR
NR
NR

NR
NR
NR

NR
NR
NR

NR
NR
NR

NR
NR
NR

General-Purpose Credit Cards
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
This section covers counts of physical general-purpose credit cards as well as all cleared and settled domestic and cross-border general-purpose credit card payments made via a general-purpose card
network, including payments initiated with physical or virtual cards, digital wallets, or other methods. It also covers general-purpose co-branded credit card non-network transaction. Note: General-purpose
credit card payments use funds from credit card accounts. (Credit card accounts and balances are reported in the second part of the "Institution Profile" section.)
Please include third-party fraudulent general-purpose credit card network payments, defined as cleared and settled payments that a third-party initiated with the intent to deceive for personal gain without
the authorization, agreement, or voluntary assistance of an authorized payer.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

GENERAL-PURPOSE CREDIT CARDS
Your institution is the issuer. Your customer is the payer, accountholder, or cardholder.
C1

Did your institution have general-purpose credit cards in circulation in 2024 for which
your institution was the issuer?
Include: General-purpose credit cards, charge cards, and co-branded cards for which your
institution owns the receivables. These can be cards that use any one of the four major credit
card networks (i.e., Visa, MasterCard, American Express, and Discover).
If your answer is "No," please report "Not applicable" for items 2, 2.a, and 3 below, and report
"0" for items 4 through 9 and their subsets below.

C2

C

C3

Did your institution have co-branded credit cards in circulation in 2024 for which your
institution was the issuer?
If your answer is "Yes": Pease report "internal" (closed-loop, not using one of the above four
major credit card networks) volumes and exclude "external" (open-loop, using one of the above
four major credit card networks) volumes in item 5 below. Conversely, please report external
volumes and exclude internal volumes in items 6 through 9 (and their subsets) below.
If your answer is "No": Please report "Not applicable" for item 2.a and "0" for item 5 below.
2.a

If your answer is "Yes" to item 2 above and if your institution had "internal" (closedloop, not using one of the above four major credit card networks) co-branded credit
card transactions, are you able to exclude these volumes from your answers to
items 6 through 9 and their subsets below?
If your answer is "Yes, in some cases," please explain in the comments box at the end of
this section. Even if your answer is "No," please report data for items 6 through 9 and their
subsets below and explain in the comments box at the end of this section.

Did your institution provide virtual general-purpose credit cards as a product/service in
2024 for which your institution was the issuer? (Note: Virtual cards are different from
digital wallets.)
Virtual cards are used for online or over the phone purchases and do not require the
accountholder to have a physical card. Virtual cards may provide greater security than a
physical card because they use a unique card number and may have an expiration date and
security code that is only valid at specific merchants or for a specific amount of time. Virtual
cards may be issued for single or multiple transaction use, and they may or may not be added
to digital wallets.
If your answer is "Yes," please exclude virtual cards from the counts in item 4 but include virtual
card transactions in items 5 through 9 and their subsets below.

C4
Number of physical general-purpose credit cards = 4.a + 4.b
CrdCdInFrcPuPlease report average of monthly totals in 2024, meaning the average end-of-month totals for
CrdCdInFrcPueach of the months in 2024.
For cards in force, report only cards that had been issued by your institution, activated by your
institution's accountholders, and had not expired at the end of a month.
For cards in force with purchase activity, report only cards in force that were used to make
at least one point-of-sale (POS) and/or bill payment in a month.

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force

Consumer cards
C 4.a
CrdCdInFrcPurActCons_Num
CrdCdInFrcPurActCons_Rate

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force
% of physical general-purpose credit cards in force
% of physical general-purpose credit cards
in force with purchase activity

NR
NR

In force
In force with purchase activity
Ratio of cards with purchase activity to cards in force
% of physical general-purpose credit cards in force
% of physical general-purpose credit cards
in force with purchase activity

NR
NR

C 4.b
Business/government cards
CrdCdInFrcPurActBus_Num
CrdCdInFrcPurActBus_Rate

C5
Total general-purpose co-branded credit card non-network transactions ("internal"
closed-loop transactions)
C
CrdCobrandInt_Avg

Page 23 of 29

Number
Value ($)
Avg. Value ($)

NR

NR

NR

NR

General-Purpose Credit Cards

2024 Data

C6
Total general-purpose credit card network transactions = 6.a + 6.b
C
Include: All network transactions made with general-purpose credit cards, charge cards, or coCrdNtwk_Avg branded cards (network volume) issued by your institution.
Do not include: General-purpose credit card non-network transactions (e.g., balance transfers,
convenience checks), co-branded credit card "internal" closed-loop transactions, or cash
advances.
C 6.a
From consumer accounts
C
CrdNtwkCons_Avg

Number
Value ($)
Avg. Value ($)

Number
Value ($)
Avg. Value ($)
% of total general-purpose credit card network transactions
(Number)

C 6.b
From business/government accounts
C
CrdNtwkBus_Avg

Number
Value ($)
Avg. Value ($)
% of total general-purpose credit card network transactions
(Number)

C7
Total general-purpose credit card network transactions (repeat item 6)
= 7.a + 7.b
C
CrdNtwkRept1_Avg
C 7.a
CrdNtwkIP_Val
CrdNtwkIP_Avg

Number
Value ($)
Avg. Value ($)

In-person transactions = 7.a.1 + 7.a.2

C
7.a.1
CrdNtwkIPPIN_Val
CrdNtwkIPPIN_Avg

Number
Value ($)
Avg. Value ($)
% of total general-purpose credit card network transactions
(Number)

With a PIN

C
7.a.2
Without a PIN
CrdNtwkIPNoPIN_Val
CrdNtwkIPNoPIN_Avg

C 7.b
Remote transactions = 7.b.1 + 7.b.2
CrdNtwkRmt_Val
CrdNtwkRmt_Avg

NR

NR
NR

NR
NR

NR
NR
NR

NR
NR

Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of in-person transactions (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of total general-purpose credit card network transactions
(Number)

NR
NR

C
7.b.1
Domestic (U.S.) payee
CrdNtwkRmtDom_Val
CrdNtwkRmtDom_Avg

Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)

NR
NR

C
7.b.2
Foreign payee
CrdNtwkRmtFrgn_Val
CrdNtwkRmtFrgn_Avg

Number
Value ($)
Avg. Value ($)
% of remote transactions (Number)

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

C8
Total general-purpose credit card network transactions (repeat item 6)
CrdNtwkRept2= 8.a + 8.b + 8.c
CrdNtwkRept2_Avg
C 8.a
CrdNtwkIPCn
CrdNtwkIPCn

In-person contactless card transactions
Include: Transactions for which a physical card or token was "tapped" to pay at the POS
terminal.

Number
Value ($)
Avg. Value ($)
% of total general-purpose credit card network transactions
(Number)

C 8.b
Digital wallet transactions = 8.b.1 + 8.b.2
CrdNtwkDigtWall_Val
CrdNtwkDigtWall_Avg

Number
Value ($)
Avg. Value ($)
% of total general-purpose credit card network transactions
(Number)

C
8.b.1
CrdNtwkDigtW
CrdNtwkDigtW

In-person
Include: Transactions for which an electronic device, such as a smartphone, smart
watch, or activity tracker, was "tapped" to pay at the POS terminal (e.g., Apple Pay,
Samsung Pay, Google Pay, Fitbit Pay). Such payments are considered contactless
payments, but do not use a physical card or token.

Page 24 of 29

Number
Value ($)
Avg. Value ($)
% of digital wallet transactions (Number)

NR
NR

NR
NR

NR
NR

General-Purpose Credit Cards
C
8.b.2
CrdNtwkDigtW
CrdNtwkDigtW

2024 Data

Remote
Include: In-app transactions or browser transactions made with a digital wallet.
Browser transactions include both digital wallets (e.g., Apple Pay, Google Pay,
Samsung Pay) and third-party tokenized digital wallets (e.g., PayPal, Amazon Pay,
Square Restaurants, Visa Checkout, Masterpass).

C 8.c
All other transactions
CrdNtwkOth_Val
CrdNtwkOth_Avg

Number
Value ($)
Avg. Value ($)
% of digital wallet transactions (Number)

Number
Value ($)
Avg. Value ($)
% of total general-purpose credit card network transactions
(Number)

C9
Third-party fraudulent general-purpose credit card network transactions
CrdNtwkUTPF= 9.a + 9.b
CrdNtwkUTPFInclude: All cleared and settled third-party fraudulent card network transactions made with
CrdNtwkUTPFgeneral-purpose credit cards, charge cards, or co-branded cards (network volume only) issued
by your institution before any chargebacks or recoveries (i.e., regardless of whether a loss is
CrdNtwkUTPFincurred).
Do not include: Third-party fraudulent general-purpose credit card non-network transactions
(e.g., balance transfers, convenience checks), co-branded credit card "internal" closed-loop
transactions, or cash advances.

Number
Value ($)
Avg. Value ($)
General-purpose credit card network transactions
fraud rate (Number)
General-purpose credit card network transactions
fraud rate (Value)

C 9.a
In-person transactions = 9.a.1 + 9.a.2
CrdNtwkUTPFIP_Val
CrdNtwkUTPFIP_Avg
CrdNtwkUTPFIP_Num_Rate

Number
Value ($)
Avg. Value ($)
In-person general-purpose credit card network transactions
fraud rate (Number)

CrdNtwkUTPFIP_Val_Rate

In-person general-purpose credit card network transactions
fraud rate (Value)

C
9.a.1
With a PIN
CrdNtwkUTPFIPPIN_Val
CrdNtwkUTPFIPPIN_Avg
CrdNtwkUTPFIPPIN_Num_Rate

Number
Value ($)
Avg. Value ($)

CrdNtwkUTPFIPPIN_Val_Rate

C
9.a.2
Without a PIN
CrdNtwkUTPFIPNoPIN_Val
CrdNtwkUTPFIPNoPIN_Avg
CrdNtwkUTPFIPNoPIN_Num_Rate
CrdNtwkUTPFIPNoPIN_Val_Rate

NR
NR
NR

NR

NR

Number
Value ($)
Avg. Value ($)

NR

In-person without a PIN general-purpose credit card network
transactions fraud rate (Number)

NR

In-person without a PIN general-purpose credit card network
transactions fraud rate (Value)

NR

Remote general-purpose credit card network transactions
fraud rate (Value)

CrdNtwkUTPFRmtFrgn_Val_Rate

NR

In-person with a PIN general-purpose credit card network
transactions fraud rate (Value)

CrdNtwkUTPFRmt_Val_Rate

C
9.b.2
Foreign payee
CrdNtwkUTPFRmtFrgn_Val
CrdNtwkUTPFRmtFrgn_Avg
CrdNtwkUTPFRmtFrgn_Num_Rate

NR
NR

NR

Number
Value ($)
Avg. Value ($)
Remote general-purpose credit card network transactions
fraud rate (Number)

CrdNtwkUTPFRmtDom_Val_Rate

NR
NR

In-person with a PIN general-purpose credit card network
transactions fraud rate (Number)

C 9.b
Remote transactions = 9.b.1 + 9.b.2
CrdNtwkUTPFRmt_Val
CrdNtwkUTPFRmt_Avg
CrdNtwkUTPFRmt_Num_Rate

C
9.b.1
Domestic (U.S.) payee
CrdNtwkUTPFRmtDom_Val
CrdNtwkUTPFRmtDom_Avg
CrdNtwkUTPFRmtDom_Num_Rate

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

NR

Domestic payee remote general-purpose credit card network
transactions fraud rate (Number)

NR

Domestic payee remote general-purpose credit card network
transactions fraud rate (Value)

NR

Number
Value ($)
Avg. Value ($)

NR

Foreign payee remote general-purpose credit card network
transactions fraud rate (Number)

NR

Foreign payee remote general-purpose credit card network
transactions fraud rate (Value)

NR

Comments

C

Page 25 of 29

Cash
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
This section covers all cash deposits from and withdrawals to circulation from your institution's domestic branches, and both domestic and cross-border ATM cash transactions by your institution's
customers from any ATM. Cash, also called currency, includes paper banknotes and coins. Do not include banknotes and coins exchanged with the Federal Reserve or other supplier for maintaining cash
inventory or any other exchanges on your institution's own account. Please include third-party fraudulent ATM cash withdrawal transactions, defined as cleared and settled ATM cash withdrawals that a
third-party initiated with the intent to deceive for personal gain without the authorization, agreement, or voluntary assistance of an authorized accountholder or cardholder.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

CASH WITHDRAWALS
Ca1
Total cash withdrawals from your institution = 1.a + 1.b + 1.c
CashWd_Val
CashWd_Avg

Number
Value ($)
Avg. Value ($)

NR

Ca 1.a
CashWdOTC_
CashWdOTC_

Over-the-counter cash withdrawals
Cash withdrawals made at bank lobby teller window or drive-through teller.
Include: Cash withdrawn by a third party that is not paid out on behalf of another
depository institution (e.g., via a "check cashing" service).
Do not include: Cash paid out to a third-party on behalf of another depository institution
(e.g., an over-the-counter cash advance from a credit card issued by another institution).

Number
Value ($)
Avg. Value ($)
% of total cash withdrawals from your institution (Number)

NR
NR

Ca 1.b
CashWdVault
CashWdVault

Cash orders at wholesale vaults and RCMTs
Cash withdrawals handled through armored couriers including vaults operated by your
institution or outsourced to an armored courier or other third-party vault operator or made
at remote currency management terminals (RCMTs) at merchant customer locations.
Do not include: Banknotes and coin exchanged with the Federal Reserve or other
supplier for maintaining cash inventory or any other exchanges on your institution's own
account.

Number
Value ($)
Avg. Value ($)
% of total cash withdrawals from your institution (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of total cash withdrawals from your institution (Number)

NR
NR

Ca 1.c
Total ATM cash withdrawals (your institution's accountholder, any ATM)
= 1.c.1 + 1.c.2
CashWdATM_
CashWdATM_Avg

Ca 1.c.1
CashWdATM
CashWdATM

"On-us" ATM cash withdrawals (your institution's accountholder, your
institution's ATM)

Number
Value ($)
Avg. Value ($)

An "on-us" ATM is any ATM owned or operated by your institution.

% of total ATM cash withdrawals (Number)
Ca 1.c.2
CashWdATM
CashWdATM

"Foreign" ATM cash withdrawals (your institution's accountholder, "foreign"
ATM)

NR
NR

Number
Value ($)
Avg. Value ($)
% of total ATM cash withdrawals (Number)

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

Ca 2.a
From consumer accounts
CashWdCons_Val
CashWdCons_Avg

Number
Value ($)
Avg. Value ($)
% of total cash withdrawals from your institution (Number)

NR
NR

Ca 2.b
From business/government accounts
CashWdBus_Val
CashWdBus_Avg

Number
Value ($)
Avg. Value ($)
% of total cash withdrawals from your institution (Number)

NR
NR

Number
Value ($)
Avg. Value ($)

NR
NR
NR

Ca 3.a
Domestic ATM cash withdrawals (your institution's accountholder, any ATM in the
U.S.)
CashWdATM
CashWdATMDom_Avg

Number
Value ($)
Avg. Value ($)
% of total ATM cash withdrawals (Number)

NR
NR

Ca 3.b
Cross-border ATM cash withdrawals (your institution's accountholder, any ATM
outside the U.S.)
CashWdATM
CashWdATMNonDom_Avg

Number
Value ($)
Avg. Value ($)
% of total ATM cash withdrawals (Number)

NR
NR

A "foreign" ATM is any ATM not owned or operated by your institution.

Ca2
Total cash withdrawals from your institution (repeat item 1) = 2.a + 2.b
CashWdRept1_Val
CashWdRept1_Avg

Ca3
Total ATM cash withdrawals (your institution's accountholder, any ATM)
CashWdATM (repeat item 1.c) = 3.a + 3.b
CashWdATMRept1_Avg

Page 26 of 29

Cash

2024 Data

Ca4
Third-party fraudulent ATM cash withdrawals (your institution's accountholder, any ATM)
= 4.a + 4.b
Ca
CashWdUTPFInclude: All cleared and settled third-party fraudulent ATM cash withdrawal transactions before
CashWdUTPFany recoveries or chargebacks (i.e., regardless of whether a loss is incurred).
CashWdUTPFDo not include: Fraud prevented by declining a transaction or fraud committed by your
institution's accountholders (first-party fraud).

Number
Value ($)
Avg. Value ($)
ATM cash withdrawals fraud rate (Number)
ATM cash withdrawals fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)
Domestic ATM cash withdrawals fraud rate (Number)
Domestic ATM cash withdrawals fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)
Cross-border ATM cash withdrawals fraud rate (Number)
Cross-border ATM cash withdrawals fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)

NR

Ca 5.a
Over-the-counter cash deposits
CashDepOTC
Cash deposits made at bank lobby teller window or drive-through teller.
CashDepOTC_Avg

Number
Value ($)
Avg. Value ($)
% of total cash deposited at your institution (Number)

NR
NR

Ca 5.b
CashDepVau
CashDepVau

Number
Value ($)
Avg. Value ($)
% of total cash deposited at your institution (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of total cash deposited at your institution (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of ATM cash deposits (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of ATM cash deposits (Number)

NR
NR

Ca 4.a
Domestic ATM cash withdrawals
(your institution's accountholder, any ATM in the U.S.)
Ca
CashWdUTPFATMDom_Avg
CashWdUTPFATMDom_Num_Rate
CashWdUTPFATMDom_Val_Rate
Ca 4.b
Cross-border ATM cash withdrawals
(your institution's accountholder, any ATM outside the U.S.)
Ca
CashWdUTPFATMNonDom_Avg
CashWdUTPFATMNonDom_Num_Rate
CashWdUTPFATMNonDom_Val_Rate

CASH DEPOSITS
Ca5
Total cash deposited at your institution = 5.a + 5.b + 5.c
CashDep_Val
CashDep_Avg

Cash deposits at wholesale vaults and RCMTs
Cash deposits handled through armored couriers including vaults operated by your
institution or outsourced to an armored courier or other third-party vault operator and cash
deposits made at remote currency management terminals (RCMTs) at merchant customer
locations.
Do not include: Banknotes and coin exchanged with the Federal Reserve or other
supplier for maintaining cash inventory or any other exchanges on your institution's own
account.

Ca 5.c
ATM cash deposits (your institution's accountholder, any ATM)
= 5.c.1 + 5.c.2
CashDepATM
CashDepATM_Avg

Ca 5.c.1
CashDepATM
CashDepATM

"On-us" ATM cash deposits (your institution's accountholder, your institution's
ATM)

Ca 5.c.2
CashDepATM
CashDepATM

"Foreign" ATM cash deposits (your institution's accountholder, "foreign" ATM)

An "on-us" ATM is any ATM owned or operated by your institution.

A "foreign" ATM is any ATM not owned or operated by your institution.

Comments

Ca

Page 27 of 29

Alternative Payment Initiation Methods
INSTRUCTIONS

2024 Data

Report aggregate data for all domestic affiliates for full calendar year 2024. All data you provide is strictly confidential and will only be used to produce aggregate estimates.
This section covers all cleared and settled domestic and cross-border online or mobile bill payments and person-to-person (P2P) transfers originated by your institution's consumer accountholders. Please
include third-party fraudulent P2P transfer originations, defined as cleared and settled P2P transfer originations that a third-party originated with the intent to deceive for personal gain without the
authorization, agreement, or voluntary assistance of an authorized payer.
If a nonzero figure cannot be provided for any items below:
* Enter "0" if an item is zero
* Enter "NR" if an item is nonzero but cannot be reported
* Please leave no items blank

ALTERNATIVE PAYMENT INITIATION METHODS
Al 1

Did your institution offer online or mobile consumer bill payments during calendar year
2024?
Include: Bill payment transactions made from consumer accounts at your institution and
initiated via your institution's website or mobile application.
Do not include: Payments made through the biller's website.
If your answer is "No," please report "0" for item 2 below.

Total online or mobile bill payment transactions initiated by your institution's consumer
Al 2
AltPmtBillPmt_accountholders

Number
Value ($)
Avg. Value ($)

NR

New active accounts
All active accounts
New account rate

NR

Number
Value ($)
Avg. Value ($)

NR

Number
Value ($)
Avg. Value ($)
% of total online or mobile P2P transfer originations (Number)

NR
NR

Number
Value ($)
Avg. Value ($)
% of total online or mobile P2P transfer originations (Number)

NR
NR

AltPmtBillPmt_Include: Online or mobile consumer bill payments initiated through your institution's bill
payment platform.
Do not include: Bill payment transactions initiated through a different medium (e.g., Zelle).

Al 3

Did your institution offer an online or mobile person-to-person (P2P) funds transfer
system during calendar year 2024?
Include: P2P transfer originations made from consumer accounts at your institution and
initiated via your institution's website or mobile application.
Do not include: Transfers made through an external party's website or online application.
If your answer is "No," please report "Not applicable" for item 3.a below, and report "0" for items
4 through 6 and their subsets below.

Al 3.a

If the answer is "Yes" to item 3 above, did your institution offer an immediate
payments option via an online or mobile person-to-person (P2P) funds transfer
system during calendar year 2024?
Immediate payments are funds transfers sent with real-time or near-real-time availability to
recipient (30 minutes or less). If your answer is "No," please report "0" for items 5.a and
6.a below.

Number of active online or mobile person-to-person (P2P) transfer accounts
Al 4
AltPmtP2PAc Please report average of monthly totals in 2024, meaning the average end-of-month totals for
AltPmtP2PAc each of the months in 2024.
New active P2P transfer accounts are accounts from which at least one payment was sent
via your institution's P2P transfer platform for the first time within a month.
All active P2P transfer accounts are accounts from which at least one payment was sent via
your institution's P2P transfer platform within a month.
Total online or mobile person-to-person (P2P) transfer originations = 5.a + 5.b
Al 5
AltPmtP2P_V Include: P2P transfer originations made from consumer accounts at your institution and
AltPmtP2P_A initiated via your institution's website or mobile application (include transfer originations made
through digital payments network partners, e.g., Zelle, if applicable).
Do not include: Transfers made through an external party's website or online application.

Al 5.a
AltPmtP2PImm
AltPmtP2PImm

Immediate payments
Funds are sent with real-time or near-real-time availability to recipient (30 minutes or less).

Al 5.b
AltPmtP2POth
AltPmtP2POth

All other
Funds are sent without real-time or near-real-time availability to recipient (later than 30
minutes and, typically 1 or more days after payment was initiated).

Page 28 of 29

Alternative Payment Initiation Methods

2024 Data

Third-party fraudulent online or mobile person-to-person (P2P) transfer originations
Al 6
AltPmtUTPFP = 6.a + 6.b
AltPmtUTPFP Include: All cleared and settled third-party fraudulent P2P transfer originations made from
consumer accounts at your institution and initiated via your institution's website or mobile
AltPmtUTPFP application, before any recoveries or chargebacks (i.e., regardless of whether a loss is
incurred).
AltPmtUTPFP Do not include: Third-party fraudulent transfers made through an external party's website or
online application. Also do not include fraud prevented by declining a transaction or fraud
committed by your institution's accountholders (first-party fraud).

Immediate payments
Al 6.a
Funds are sent with real-time or near-real-time availability to recipient (30 minutes or less).
AltPmtUTPFP
AltPmtUTPFP
AltPmtUTPFP2PImmed_Num_Rate
AltPmtUTPFP2PImmed_Val_Rate
All other
Al 6.b
Funds are sent without real-time or near-real-time availability to recipient (later than 30
AltPmtUTPFP
minutes and, typically 1 or more days after payment was initiated).
AltPmtUTPFP
AltPmtUTPFP2POth_Num_Rate
AltPmtUTPFP2POth_Val_Rate

Number
Value ($)
Avg. Value ($)
Online or mobile P2P transfer originations
fraud rate (Number)
Online or mobile P2P transfer originations
fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)
Immediate online or mobile P2P payments fraud rate (Number)
Immediate online or mobile P2P payments fraud rate (Value)

NR
NR
NR

Number
Value ($)
Avg. Value ($)
All other online or mobile P2P payments fraud rate (Number)
All other online or mobile P2P payments fraud rate (Value)

NR
NR
NR

Comments

Al

Page 29 of 29