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Re$ubmitIt® utilizes electronic re-presentment technology to help you collect more money from NSF checks, and spend less on collection.

  • Reduces the burden of collecting funds from NSF checks
  • Potentially doubles your recovery rate
  • Collect more returned checks
  • Get 100% of the face value of all checks that are collected electronically
  • Returned checks are sent from First Citizens Community Bank to Re$ubmitIt, where eligible checks are converted into electronic items for re-presentment to the check writer's bank account for collection.
  • The electronic check file is processed and strategically timed for re-presentation. Presenting checks at proven "smart dates" improves the chance of collection.
  • If the item is not recovered on the first electronic re-presentment, it is re-cued for a second electronic re-presentment (third total). If this third presentment fails, the check can be sent to Re$ubmitIt's FREE secondary collections, or the check can be sent back to you.
  • Upon settlement, 100% of the face value of the check is reimbursed to you automatically. The check writer's account is charged a state-regulated collection fee to cover the cost of collection.

To be eligible for electronic recovery, a returned check must:

  • Be a personal check to a business (not a business-to-business)
  • Be under $2,500
  • Be less than 180 days old from date of transaction
  • Cannot have been already submitted twice, either electronically or by paper draft

What Happens to Ineligible Checks?

Returned items that are less than $2,500 and ineligible for electronic re-presentments are re-submitted to the check writer's account as a paper draft, subject to eligibility requirements. Items equal to or greater than $2,500, are not eligible for Re$ubmitIt services.

If you have questions about the Re$ubmitIt electronic check recovery service, please email them at [email protected]