Re$ubmitIt®

Don’t let the fear or reality of a bounced check harm your business. Stay in control of your money with Re$ubmitIt, so you can focus on doing what you do best: running your business.

Accepting checks is essential to your business; however, with the customer convenience of accepting checks, comes the inherent risk to your business.

Americans write many checks to pay for goods and services and between 1-3 percent of those checks will bounce. If your business uses traditional collection methods, you may recover only 40 percent of funds from checks that have been returned due to non-sufficient funds (NSF).

Re$ubmitIt® recovery service utilizes proven RCK (electronic re-presentment) technology to help you collect more money from NSF checks, while you spend less time and resources on the collection process. With Re$ubmitIt®, bad check collection is no longer such a burden.

  • Re$ubmitIt® is FREE
  • Dramatically improves collection of NSF checks
  • Reimburses 100% of the check’s face value
  • Recovers money faster
  • Simple to use
  • Toll-free customer support
  • 24/7 web access to track status of each check in the recovery process plus access to a variety of reports
To learn more or implement Re$ubmitIt for your business, contact a business banking representative at (866) 236-8744 or stop by any location to get started.

Re$ubmitIt FAQs

Any business that accepts checks, regardless of the number of bad checks it receives, can use Re$ubmitIt.

RCK, or Re-presentment 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.

Yes. You spend less time and resources on traditional collection methods, like phone calls and letters.

Yes. The process is federally authorized and approved by NACHA – The Electronic Payments Association. Additional information on this subject is available on the Federal Reserve website.

A check can be presented to a check writer’s account a total of three times – once by paper draft and twice 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.

In the event a returned check is not eligible for collection via RCK, or those efforts have been exhausted, Re$ubmitIt® can provide secondary collection efforts for you if you desire. However, if you choose not to use their additional service, Re$ubmitit will provide the returned check back to you for additional collection efforts.

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.