"CHQ DEP RET-Instrument undated" typically refers to a type of financial transaction or instrument related to a check (CHQ) deposit (DEP) that is returned (RET) and is undated, meaning it lacks a specified date of issuance or maturity. This could signify a check that was deposited but not honored by the bank for various reasons, such as insufficient funds or a stop payment order. The "instrument" aspect may refer to the legal or formal documentation surrounding the check. In financial records, it may indicate a need for further action or reconciliation.
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