Who can use Re$ubmitIt®?
What Is Electronic Check Re-Presentment (RCK)?
How does RCK work?
Why is Re$ubmitIt® so successful?
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Does RCK provide cost savings for a business?

Is RCK legal?
Can Re$ubmitIt® recover all my bad checks using RCK?
Can Re$ubmitIt® re-present items that cannot be processed using RCK?
What happens to checks that cannot be collected?
How do I monitor my check recovery activity
How quickly will I receive funds from the collection of my NSF checks?
Do I need to notify my customers?
Questions?
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Who can use Re$ubmitIt®?
Any business that accepts checks can use Re$ubmitIt®, regardless of the number of bad checks it receives.
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What Is Electronic Check Re-Presentment (RCK)?
RCK, or Re-presented Check Entry, 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 the Automated Clearing House (ACH) network. This proven methodology allows checks to be presented twice electronically after they have already been presented once in paper form, thereby increasing the collection opportunities for recovery.
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How does RCK work?
The process couldn’t be simpler: Your bank automatically sends returned items to Re$ubmitIt® for recovery on your behalf. You simply inform customers of the Re$ubmitIt® electronic check recovery policy by posting notification (see sticker image below) at the point of sale, or by including notification on invoices, work orders, etc. For a step-by-step description of the Re$ubmitIt® process, see “How Re$ubmitIt works,” on facing page.
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Why is Re$ubmitIt® so successful?

  • Additional Submissions —The conversion of an NSF check to an electronic transaction allows two additional submissions to the check writer’s checking account, thereby increasing the opportunities for collection.
  • Electronic Prioritization —Financial institution clearing procedures typically give priority to electronic transactions, which increases collectability.
  • Timely Re-submissions —Re$ubmitIt® strategically times the submission of electronic items in anticipation of consumer funds, which greatly improves chances of collection.
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Does RCK provide cost savings for a business?
Yes
. You spend less time and resources on traditional collection methods, like phone calls and letters.
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Is RCK legal?
Yes. The process is federally authorized and approved by NACHA – The Electronic Payments Association.
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Can Re$ubmitIt® recover all my bad checks using RCK?
No. Some items are not not eligible for RCK re-presentment, e.g., if the account is marked “closed” or “stopped payment;” if the amount of the check is over $2,500; if the check is from a business; or if it is more than 180 days old.
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Can Re$ubmitIt® re-present items that cannot be processed using RCK?
Yes. Re$ubmitIt can process some items using alternative, and highly successful, collection methods. For example, Re$ubmitIt® 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 to collect.

For checks that cannot be re-presented using RCK or an alternate method, e.g., checks returned due to account closure, Re$ubmitIt® provides an optional secondary collection service (see next question).
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What happens to checks that cannot be collected?
In the event a returned check is not eligible for re-presentment via RCK or by an alternate method, or those efforts have been exhausted, Re$ubmitIt® conducts secondary collection efforts through a third-party collection agency, at no additional charge. These efforts may include contact by letter, phone and/or credit bureau reporting. To enroll in secondary collections, you must fill out the Contact Information form, which Re$ubmitIt® sends you once your first returned check has entered our system.
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How do I monitor my check recovery activity
Two ways:

  1. You can track the status of checks in the recovery process online, 24/7.
  2. Re$ubmitIt® can notify you by e-mail when a check has entered our system and when you receive payment.
    To receive a secure User Name and Password for online tracking and to receive e-mail notifications, you must fill out the Contact Information form, which Re$ubmitIt® sends you once your first returned check has entered our system.
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How quickly will I receive funds from the collection of my NSF checks?
100% of the face value of any check collected is deposited automatically into your bank account on a weekly basis.
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Do I need to notify my customers?
Yes.
You must notify customers of the Re$ubmitIt® electronic check recovery policy by posting notification at the point of sale, or by including notification on invoices, work orders, etc. To request additional decals from Re$ubmitIt,® e-mail us at support@resubmitit.com.
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Questions?
Send an e-mail to
support@resubmitit.com, or call a customer service representative at 866/860-5906, Monday–Friday, 8:30 am to 5 pm EST.
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