Who can use this service? Any business that accepts checks can use this service, regardless of the number of bad checks it receives.

What Is RCK? RCK is the process of converting a returned paper check into an electronic item and re-submitting it to the check writer’s bank account through ACH. This proven methodology allows checks to be presented twice electronically after they have already been presented once in paper form, thereby increasing collection opportunities.

How does it work? The process couldn’t be simpler. We automatically send returned items for recovery on your behalf. You simply inform customers electronic check recovery policy by posting notification at the point of sale, or by including notification on invoices, work orders, etc. For a step-by-step description, see “How It Works” in this brochure.

Why is this method so successful?

• Additional Submissions—The conversion of an NSF check into an electronic item allows two additional submissions to the check writer’s checking account, thereby increasing the opportunities for collection.
• Electronic Prioritization—Bank clearing procedures typically give priority to electronic transactions, which increases collectability.
• Timely Re-submissions—We strategically time the submission of electronic items in anticipation of consumer funds, which greatly improves chances of collection.

Does RCK provide cost savings for businesses? Yes. You spend less time and resources on traditional collection methods, like phone calls and letters.

Is RCK legal? Yes. The process is federally authorized and approved by NACHA–The Electronic Payments Association.

Can you recover all my bad checks using RCK? No. Some items are not eligible for RCK re-presentment, e.g., if the account is marked “closed” or “stopped payment”; if the amount of the check is equal to or more than $2,500; if the check is from a business; or if it is more than 180 days old.

Can you re-present items that cannot be processed using RCK? Yes. We can process some items using alternative, and highly successful, collection methods. For example, we can process business checks (if the amount of the check is less than $2,500) that are returned due to insufficient funds and present them for collection of funds. Generally, items that are processed using alternative methods take longer.