NSF Check Recovery, Collection and Returned Check Processing

CheckMatic has been a member of ACA International and the American Collectors Association of Texas for over four years

NSF check collection and check recovery can be a burden on a merchants business. Through our strategic scheduling system, we are able to recover about 75% of bad checks without ever contacting your customer. We simply recover NSF checks electronically for you and your customer doesn't have to receive an embarrassing phone call. Your customer will not have to bring in a money order or cash either. Now is the time to have a reputable company ready to take care of your returned checks. Don't wait until after the holiday season. Because of the privacy legislation enacted several years ago, most banks are not releasing information of funds availability. This means that they may tell you if the account is open or closed but not if there is sufficient funds to cover the check. We started using "STRATEGIC SCHEDULING" when this happened and our collections have not suffered at all. We collect your returned checks while you maintain a good relationship with your customers. For items not eligible for RCK or that the electronic representment has failed, we use traditional NSF check collection methods. Our agreements are for merchants that receive at least three returned checks per month.

We are not ChexSystems. To contact ChexSystems or Check Recovery Systems if you are a check writer click the ChexSystems link.

RCK and traditional bad check collection is free to merchants because the fee is paid by the check writer. With Consolidated Returns you can realize a phenomenal savings on bad check return fees charged by your bank. Our fee for returned items can reduce your return fees by 60% or more than you are paying now. Participating merchants receive a rebate to cover the bank charge in some states. In other states merchants qualify for bank fee reimbursement with a minimum number of checks collected electronically. With our electronic NSF check collection system, no notification of returned checks will have to be sent. We offer traditional returned check collection to merchants as well. While traditional returned check collection in itself is not as effective as electronic representment, it still has a use for items that are not eligible for RCK processing or the RCK efforts have been exhausted.

There are many Benefits we offer over other companies.

We do not charge you to collect any NSF checks recovered that are up to two years old.
The check writer pays for the returned check, NOT YOU

Is another company not collecting or keeping part of your money when it does?

Are you paying 25-35% of the check just because the other company could not or did not collect your returned check electronically?
Do you want to pay 25-50% of the check because it can not represented electronically or it is over 30 days old?
We say no to both of these questions. We don't penalize you to send your checks to another company. Make the best decision you will ever make today . We don't send your checks to another agency like many companies that only perform electronic representment. We are the other agency. Do you really want your checks floating around from one company to another?

When you let us handle your check recovery problems, you know that we are dedicated to collecting your money. We accept checks for collections up to two years old. We perform electronic and traditional collections and at your request we will forward items to our attorney group for further action on any uncollected items. We will also report uncollected checks directly to the credit bureau at your request. We are committed to providing the best possible service to our clients while maintaining the standards set by the FDCPA.

We know that bad checks are not the only problems a business faces but it could be the end of your business! This a a free service with an open contract. Even if you don't take advantage of our service, we offer Free Tips to help businesses not accept NSF checks from their customers. We offer these tips to all businesses. We want all businesses to avoid getting NSF checks but we are there when help is needed.

You can establish a merchant account to accept credit cards or get a better rate than you are paying now by clicking on the Humboldt Merchant Services banner. We are not in the merchant account business but have found Humboldt to be as committed as we are to providing the best service possible. Click on the banner above and set up your account directly with Humboldt Merchant Services. Click on the banner below for the best prices on credit card machines.

We are not a reseller of some other company and when you talk to us, you are talking to the processors. We have developed relationships with several banks over the years. This gives our clients choices instead of constraints.

Thinking of investing in Gold and Silver coins? Click on the banner below.

We provide processing of NSF checks and ACH transactions.
We only use a select group of pre-qualified offices to represent our company.
We offer the same software products we use in our business daily.
This is all we do!

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