Similar to identity theft, this type of fraud happens when an unauthorized individual gain access through online banking applications, capturing the account information to create and write bad checks.
Account-centric enterprise content management solutions allow users to access account holder information based on their account numbers.
An adverse action notice is a document sent to a loan applicant stating a bank’s rationale for denying a loan. It may also contain a counteroffer, such as a lesser amount or a request for an approved co-borrower.
The term “aging exceptions” refers to a group of critical exceptions that have not been resolved within a reasonable amount of time.
Altered check fraud occurs when a fraudster changes the amounts and Payee from a stolen check.
API is short for “application programming interface.” Technology companies like Alogent rely on APIs to connect multiple software applications, thereby enabling a two-way exchange of information to support users’ needs.
Audit and exam prep is a process that financial institutions go through in order to adequately prepare for upcoming audits and exams.
An authorized signer form is a document that allows an account holder to grant a range of clearance levels to individuals to perform certain functions within a bank account.

Tickler Files in Banking

A tickler file is a paper or digital reminder system. It organizes a list of current or future tasks that need to be completed or or tracked—either once or on a recurring basis.

One-time and Ongoing Tickler Items

When setting up accounts, financial institutions rely on a tickler system to ensure that a variety of one-time events occur. Among these are confirming receipt of a:

  • recorded deed of trust/mortgage
  • title policy
  • initial UCC filing statement

Ongoing tickler reminders are used for items such as:

  • insurance
  • financials
  • UCC financing renewals
  • property inspections

Tickler File Types, Pitfalls, and Solutions

Financial institutions employ many kinds of tickler systems. Techniques can be as simple as using a checklist or flagging email inbox items for follow-up. Other options include spreadsheets, online calendar events, and Microsoft Access databases. However, all these methods rely on manual follow-up by bank or credit union employees, which introduces the human error element. These tickler files are only as reliable as the staff doing the work.

To further complicate matters, even departments within the same branch, such as deposits and loans, may use separate tickler files that do not communicate with each other. This can lead to inefficiency and subpar client care, with multiple bank representatives contacting the same customer within hours or days of one another.

Modern financial institutions overcome these issues by using a complete digital banking management solution, such as AccuAccount, to merge ticklers into one account-holder-centric system. This type of exception tracking software automatically generates new reminders based on document type, and recurring reminders are easily scheduled as well. In addition, a bank representative can prepare for a customer meeting by running an exception report to determine which documents the client still needs to provide regardless of the department needing them.

Importance of Tickler Files

Tickler files are vital in the banking industry. Ensuring all of an account’s necessary documents are received and/or current is imperative for compliance and banking examinations. As referenced above, however, consolidating tickler systems into a comprehensive exception management system can boost a financial institution’s productivity, internal communication, and customer service by acting as an organization-wide account management tool.

Banking Resources

Searching for more information about tickler files? Be sure to check out our extensive resource library with free spreadsheets, whitepapers, videos and eBooks.

Browse our banking definitions page for more terminology.

Explore more resources

Related articles

Tuesday 26 May 2026

Ag Lending: The Hidden Risk of Expired and Outdated Documents

Agricultural lending is critical to supporting America’s farming economy, but it comes with ongoing risks—especially when required documentation becomes outdated or incomplete. From cross-collateralized assets…

Read the Blog

Thursday 21 May 2026

Why the Strongest Fintech and Banking Technology Ecosystems Are Built on Partnerships, Not Transactions

Growth in financial services is increasingly driven by collaboration rather than standalone development, with stronger outcomes emerging when providers align around shared goals and complementary…

Read the Blog

Tuesday 19 May 2026

The Operational Backbone of a Successful Instant Payments Strategy for Banks and Credit Unions

Delivering instant payments at scale requires more than access to new rails. Financial institutions must overcome legacy systems, fragmented workflows, and fraud risks to support…

Read the Blog

Thursday 7 May 2026

Inflated Exception Reports? Try This Instead.

Tracking document requirements in commercial lending can become overly complex, leading many institutions to collect more documentation than necessary and inflate exception reports with items…

Read the Blog

Monday 4 May 2026

How Regulation CC Changes Are Forcing Faster Funds Availability and Raising Check Fraud Risk

As Regulation CC accelerates funds availability, banks and credit unions are being required to release larger portions of check deposits sooner, often before fraud review…

Read the Blog

Monday 27 April 2026

The Hidden Cost of Lost Documents: How Banks and Credit Unions Modernize Content Management to Reduce Risk and Improve Service

Outdated content management creates real challenges for banks and credit unions—driving audit risk, slowing lending decisions, and pulling staff away from high-value work. It also…

Read the Blog

Thursday 23 April 2026

Why Check Fraud Is Forcing Banks and Credit Unions to Rethink Their Risk Appetite

Check fraud has become one of the most persistent operational risks facing banks and credit unions, and leadership teams are feeling the pressure. Data highlighted…

Read the Blog

Tuesday 7 April 2026

Check Fraud Risk in 2026: How Regulation is Reshaping Deposit Strategy for Banks and Credit Unions

In 2026, check fraud risk is rising even as check volumes decline. Regulatory pressure, higher funds availability thresholds, and targeted fraud are forcing banks and…

Read the Blog