Electronic Check Re-presentment (RCK) enables your company to collect on NSF checks electronically via the Automated Clearing House (ACH). With RCK you can improve your recovery rates, save administrative time and expense, and reduce bad debt.

With RCK, your check recovery process begins electronically. INB scans the MICR line on each check, keys in any additional information, creates RCK entries, and transmits them to the Fed.

RCK provides:

• Faster, Higher Collection Rates – Banks typically process electronic transactions prior to paper items which increases recovery rates.
• Reduced Processing Costs – Fees associated with represented check clearing, returns, etc. are reduced.
• Quicker Notification, Reduced Losses – RCK provides quicker notification of problem checks.
• Improved Risk Management – RCK reduces your risk of losses due to bad checks.