Bounced Checks are a real headache to receive and the headaches usually only grow trying to collect them. You can also do more than just collect the face value of the item, but any NSF fees if properly notified.

Bounced Checks can be submitted through the ACH for collection which allows for targeted debit dates and increases the chances of collection. Plus, the first in, first out treatment of electronic items at most banks adds a level of assurance that if the funds were in the account on the selected date, the electronic item would be settled among the first items in.

RCK collections through the ACH gives you the greatest opportunity to collect on bad checks even if you cannot contact the check writer. Returned check fees can even be debited in addition to the face amount of the check as a separate transaction as long as the proper procedures have been followed.

In order to represent an item electronically for collection, the check must meet the following criteria:

Face value of $2500.00 or less.
No older then 180 days from date of issue.
Consumer checks only - No corporate items, money orders, cashiers checks, or items drawn on Federal Reserve Bank or Federal Home Loan.
Has not been presented more then twice as a paper item.
Original must have been either NSF or Uncollected Funds.
Item must be in U.S. Dollars and drawn on a U.S. bank.