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?
How can this service be FREE?
Is RCK legal?
How many times can a check be presented?
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Do I need to notify my customers?
Can Re$ubmitIt® recover all my bad checks electronically?
What happens to checks that cannot be collected electronically?
Who retains the paper check when RCK is used?
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How do I start?
How quickly will I receive funds from the collection of my NSF checks?
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Who can use Re$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:

  1. You inform customers of the Re$ubmitIt® electronic check recovery policy by posting notification at the point of sale, or by including notification on invoices, work orders, etc.
  2. Your bank is directed (via the Bank Authorization form) to forward all returned checks to the Re$ubmitIt® processing center, where the NSF items are presented electronically to the check writer’s account, using strategic timing when funds are most likely to be available.
  3. If the check fails to clear on the first electronic submittal, it will be re-presented again, thereby increasing the opportunities for recovery.
  4. The check writer’s account is debited twice: once for the full amount of the check and once for a state-regulated fee.
  5. Re$ubmitIt® automatically deposits the amount of the collected check into your bank account weekly.
  6. You review and check status of the recovery process online, 24/7 (for security purposes, Re$ubmitIt® provides the Web link to you).
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Why is Re$ubmitIt® so successful?
The process recovers the money you are owed... faster and easier because:

  • 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$ubmitIt® strategically times the submission of electronic items in anticipation of consumer paydays, which greatly improves chances of collection.
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Does RCK provide cost savings for a business?
Yes. You spend less time and resources on traditional collection methods, like phone calls and letters.
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How can this service be FREE?
Re$ubmitIt® is able to offer this service at NO COST to you because we charge the check writer a state-regulated NSF fee for the reimbursement of expenses associated with the collection effort. The process is federally authorized and approved by NACHA–The Electronic Payments Association.
The recovery costs you nothing!
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Is RCK legal?
Yes. The process is federally authorized and approved by NACHA–The Electronic Payments Association. Additional information on this subject is available at the Federal Reserve Web site.
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How many times can a check be presented?
A check can be presented to a check writer’s account a total of three times—once by paper draft and twice electronically.
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Do I need to notify my customers?
Yes. You must notify customers of the Re$ubmitIt® electronic check recovery policy by posting notification at the point of sale, or by including notification on invoices, work orders, etc. If you need additional notification stickers, you may request them from Re$ubmitIt® by calling 888/482-4630 (Monday–Friday, 8:30 am–5 pm EST).
Notification stickers in Spanish are also available.
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Can Re$ubmitIt® recover all my bad checks electronically?
No. Some items cannot be presented electronically for recovery, e.g., if the account is marked “closed” or “stopped payment;” if the amount of the check is over $2,500; if the check is from a business; or if it is more than 180 days old.
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What happens to checks that cannot be collected electronically?
In the event a returned check is not eligible for collection via RCK, or those efforts have been exhausted, Re$ubmitIt® will conduct secondary collection efforts (contact by letter or phone). You will be contacted to approve any further collection efforts requiring legal services, such as filing suit to obtain judgment and payment. In such cases, you will receive a percentage of the collected face value, depending on the amount of the check and the steps necessary to collect it.
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Who retains the paper check when RCK is used?
Re$ubmitIt® must retain the paper check for 90 days and an image of the check for two years in accordance with NACHA–The Electronic Payments Association.
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How do I start?

  1. Simply download and fill out the Re$ubmitIt® Service Agreement and send it to Re$ubmitIt® 400 W. Market Street, Suite 2700, Louisville, KY 40202.
  2. As soon as we receive the signed Service Agreement from you, your Re$ubmitIt® account will be set up right away. We will also fax or e-mail you a Special Instructions Authorization Form to fill out, which directs your financial institution to send all returned checks to the Re$ubmitIt® processing center. (You fax this Authorization Form to your financial institution). That’s all you do!
  3. You will receive a Welcome Kit in the mail with instructions on how to track and view your checks in the recovery process (for security purposes, Re$ubmitIt® provides the Web link to you).
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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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How can this service be free