| To get the most from your NSF check recovery, you need a strong foundation. e-CAP's consolidated returns is the cornerstone that combines your NSF checks into a single account, while maintaining multiple banks of deposit. This reduces the cost and increases the efficiency of your check collections. The consolidated returns service requires the use of a special endorsement that provides routing information for all returned items. The endorsement can be done via a stamp or through your POS system. e-CAP notifies you of returned check items immediately after the NSF item is received. Additionally, consolidated returns eliminates the three to twenty five dollar fee that banks typically assess depositors for each returned deposited item. - Reduced bank fees.
- Expedites returned check process.
- Consistent standardized information regardless of the initial bank of deposit.
- Reduces time spent on bank reconciliation (single bank).
- Ideal companion service to our check recovery.
- Provides ability to create and accurately maintain an internal negative database file.
- RCK process can begin up to 10 days sooner then traditional delivery methods.
e-CAP's consolidated returns program helps collect your money faster and at a higher rate by improving the flow of NSF checks. And, if you currently use more than one deposit bank, you no longer have to spend time and resources reconciling multiple returns. Consolidated Returns simplifies your internal accounting by providing all of your NSF check information on a single statement. By endorsing your checks through e-CAP’s Centralized Returns, NSF checks are redirected before they get to your bank. Your NSF check fees can be significantly reduced instantly helping your overall bottom line. | 
