Check Services

SBS Automated Phone
Payment System

Electronic Check Conversion

Checks by Phone

ARC - Accounts Receivable
Check Conversion

RCK - Electronic Check Recovery

Check Consolidation

Check Consolidation

• Increased control over your check collection process.

• Expedite the recovery of returned checks through electronic re-presentment.

• Enjoy discounted costs when we handle all of your returned checks.

• Receive consistent, standardized information regardless of the initial bank of deposit.

• Detailed reporting of all returned checks.

• Seamless integration with your current process.

Consolidate all of your returned checks into one bank and receive complete, timely information on all returned items.

Our consolidated returns service is an effective method of consolidating all your organization's returned checks into one bank, even if your organization has multiple depository banks nationwide. As a result of this consolidation, you receive consistent information on all returns in one complete file or report, increasing your control over the collection process.

The consolidated returns service requires the use of a special endorsement showing our processing center as the bank of "first deposit" on each deposited check at your depository bank. We can provide the special endorsement stamp or we will work with your software vendor to help create the proper endorsement necessary via your point-of-sale equipment. With the endorsement showing our processing center as the bank of first deposit, paying banks will send your returned checks to us.

Once we receive a returned check we will electronically represent any eligible items for a second presentment. This electronic presentment can also be timed to debit the consumer's account on Friday, often their payday, providing a better chance of collection. If the electronic presentment is returned a second time, we can send the returned item directly to you so your company can take appropriate collection action. Or, we can provide check collection services via a third party vendor.

With consolidated returns, you receive complete, timely information on returned checks, allowing you to expedite your collection process and lower your costs. Plus, you can enjoy volume discounts when you allow us to handle all of your returned checks.