National Irregular Check File (FNCI)

Verified 01 June 2022 - Directorate for Legal and Administrative Information (Prime Minister)

The National Bank of Irregular Checks (FNCI) contains information on banking prohibitions. This includes objections to lost and stolen checks, closed account statements and check numbers. It does not include the names of the holders of the bank accounts concerned.

The National Irregular Check Register (FNCI) contains the following information:

Unlike the Central Check File (CCF), the FNCI shall not identify the names of the holders of the bank accounts concerned.

The information entered in the file is provided by the banks. They shall transmit the account numbers of their customers when the latter are prohibited from banking to the Central Check File (CCF).

Banks also send the stop numbers (for loss or theft), the references of closed accounts and the characteristics of the counterfeit checks.

Warning  

the information on the declaration of loss or theft shall be erased after 48 hours if the declaration is not confirmed by a written opposition with your banker.

Access to the entire FNCI

If you are a check recipient (mostly merchants), you can access the entire file. You must then be a subscriber to the FNCI-Verification service managed by the Banque de France.

Limited access to its own data

To find out if your account details are stored in this file and to check the information, you can make an online request. You can also send a letter to the Banque de France or go there.

Répondez aux questions successives et les réponses s’afficheront automatiquement

Online

Do you have to log in to your personal area of the Banque de France website. Then select the online request labeled right of access payment incident files (bank ban, withdrawals, credit card, unpaid loans, overdrafts, over-indebtedness).

Banque de France: access to your personal space

On the spot

You must go to a local branch of the Banque de France. You must present your photo ID, and a RIB: titleContent (or a voided check).

Who shall I contact

By mail

You must send a signed letter to a local branch of the Banque de France. It must be accompanied by a double-sided photocopy of an identity document, a RIB: titleContent or a photocopy of the rejected check.

Who shall I contact

If your case is complex and you are unable to obtain the information from the Banque de France, you must write to the service of personal payment incident files. You must attach a double-sided photocopy of your identity card and a RIB: titleContent (or a voided check).

Who shall I contact

  • Personal Payment Incident File Service (PPIF)

    By mail

    Banque de France SFIPRP

    Relations with the public

    31 rue Croix des Petits-Champs

    75049 Paris Cedex 01

FYI  

you are prohibited from distributing and retaining the information you have accessed in the file. If you do not comply with this obligation, you risk 5 years in prison and €300,000 of fine.

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