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National Irregular Checks File (FNCI)

Verified 07 August 2020 - Directorate for Legal and Administrative Information (Prime Minister)

The National Irregular Checks File (FNCI) gathers information on bank bans. It includes objections to losses and check thefts, closed account statements and forged check numbers. It does not include the names of the holders of the relevant bank accounts.

The National Irregular Checks File (FNCI) gathers the following information ::

Unlike check master file (FCC), the FNCI does not identify the names of the holders of the relevant bank accounts.

The information entered in the file is provided by the banks. They shall transmit the account numbers of their customers when they are prohibited from banking at check master file (FCC)..

Banks also transmit the opposition numbers (for loss or theft), the references of closed accounts and the characteristics of forged checks.

Warning  

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

Accessing the entire file

If you are a check beneficiary (mostly merchants), you can access the entire file. You must then subscribe to the FNCI-Audit Service managed by the Banque de France.

Limited access to own data

To find out if your account details are stored in this file and to verify the information, you must send an email to the Banque de France or go there.

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On site

You must go to a local branch of the Banque de France. You must present your photo ID and a RIB: titleContent (or a canceled 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 and 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 the files of incidents of payment of individuals. You must attach a double-sided photocopy of your ID and a RIB: titleContent (or a canceled check).

Who shall I contact