Banking rules allow for re-submission of non-sufficient funds (NSF) return items. The re-presentment of returned items (RCK) is either the conversion of a physical check to an Electronic Funds Transfer (EFT) or the re-presentment of a returned electronic item (ACH). This allows a business to re-present the item through a debit transaction via the Automated Clearing House (ACH) in order to collect owed funds.
Businesses can spend a substantial amount of time and money attempting to collect on return items, often with minimal recovery. RCK provides a way for businesses to protect themselves from loss due to NSF items.