214 SOUTH MAIN STREET, WILLIAMSTOWN, KY 41097
Ph. (859) 824-9567   Fax (859) 824-3731
Business Hours: M-F 8am to 5pm EST

 What is NSF?
Non-Sufficient Funds. A bad or bounced check.

Why Should I Sign Up?
Our RCK process recovers more of your NSF checks faster, reduces your 
collection costs down to zero & provides a much quicker return of funds to 
your bank account on NSF checks.

How Do I Sign Up?
Go to the NSF Client Agreement link & complete the form. 
Then print, sign, make a copy for you & mail the original form to us.

What is RCK?
Electronic Check Re-Presentment, a new method for recovering NSF checks 
electronically without contacting the customer or using a collection agency.

What is in The Welcome Packet?
You will receive an instruction letter explaining how to access your NSF 
Check Collection status online. You will also receive an Electronic Services 
Agreement to notify your bank to mail returned checks to us and 
Check Policy stickers to be posted at your business.

Is There Any Cost To Me?
No. Our service is completely free of additional charges for you. 
The only charge that may be incurred is your bank’s initial 
charge of attempting to deposit an NSF check.

How Do You Get The Checks?
Your bank will mail the checks to our processing center.

What if I Change Banks or Bank Accounts?
You will need to complete a new Electronic Services Agreement, which is available 
from us, and give it to the bank when you open the account. This ensures your 
bank will continue to send the NSF checks to our processing center.

Can I Have Multiple Bank Accounts?
Yes. An electronic services agreement must be completed for each account.

How is The Service Handled?
The service is handled in a very professional and respectful manner.

Do You Contact Those
Who Write the NSF Checks?
We do not harass anyone with phone calls or letters. 
We will return their phone calls & answer their questions.

Is There a Limit On The
Amount of The Checks?
Yes. We can only process checks valued at $2500 or less.

Do I Receive The Full
Amount of The Check?
Yes.

How Do I Get My Money?
You will provide us with a voided check for electronic deposit of collected funds. Your account is credited within 7 business days after the funds are collected for the amount of the check.

How Do We Notify Customers About The Service? 
A notice needs to be posted at the point of sale in plain view or
printed on the invoice the customer receives.

How Do You Get The Information Required
To Run The Checks Electronically?
Instead of the NSF-Check being returned to the depositor, it is sent to our processing center. A processor enters required data from the check and transmits the file electronically to the server. The file is transmitted to the ACH network for RCK.

What is The ACH Network?
Automated Clearing House for checks.

How Many Times Can You Try to
Recover The Money From an NSF Check?
With our RCK service you receive two more attempts at receiving your money without paying the bounced check fees from the bank.

What is The Recovery Rate
of NSF-Checks?
We average an 80% recovery rate on NSF-Checks written on open and valid accounts.

So You Only Recover
80% of the NSF Check?
No. We recover 100% of the amount for approximately 80% of the NSF checks you receive.

How Does Affordable Checks Get Paid?
The collection fee is debited from the customer who wrote the NSF Check.

Can I cancel The
Agreement At Anytime?
Yes.