Flow Chart

For a more detailed description of the RCK Check Recovery process, see below.

Here is the process in more detail when a Consumer writes a check: The merchant deposits a check from the consumer. A) The check clears and the merchant is paid. OR B) The check is returned unpaid to the merchant. If B), then the Bank forwards the returned check items to e-CAP per Bank Authorization Form. e-CAP receives and images the check in our software. *If the amount is over $2500.00, it is forwarded to secondary collections or back to the merchant. e-CAP sends a Store Notification Report in real-time via e-mail or fax to let the merchant know a bad check has been received. e-CAP presents checks to the check writer's account to coincide with available funds. If funds are available, then the check is paid. The merchant is sent via fax or email a Reimbursement Report indicating who has paid. The merchant is electronically paid the full amount of the check plus the rebate. If the check is returned again, it goes directly to our call center for verification of funds. When available funds are verified the check is represented for the second time. In the unlikely event the check is not recovered, it is sent to our secondary collections division. Any check, other than an NSF, is also sent to our secondary collections division.