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e-Returns Photo of check marked NSF for non-sufficient funds
Electronic Check Re-presentment

When you're stuck with a bounced check, collecting your funds using traditional paper re-presentment can be time-consuming. First Financial Bank's e-Returns service is designed to speed up the collection process and improve the recovery rate on returned items.

e-Returns is an RCK ( Re-presented Check) solution, in which eligible checks returned for non-sufficient funds are converted to electronic transactions and re-presented for payment through the ACH (Automated Clearing House) network. According to the National ACH Association, banks that provide an RCK solution see an average recovery rate of 80% on all returned items. 

Benefits of e-Returns

  • Third Presentment Option  You can re-present a returned check two times, with the option of scheduling second and third re-presentments to maximize the likelihood of funds being available.
  • Timely Reporting  We will provide your business with detailed reports of the checks re-presented and whether or not they were collected. After the third presentment, uncollected checks are returned to you.
  • Easy Implementation  Your only responsibility is to display a small notice at the cash register and/or include a disclosure with your statements to notify customers that all eligible checks returned for non-sufficient funds will be re-presented electronically and that a fee will be assessed. We will supply you with the necessary disclosures.
  • No Cost to Your Business  First Financial Bank provides this service at no charge, regardless of the number of returned checks submitted. You receive 100% of the recovered funds. We charge a collection fee to the check writer that covers expenses associated with the service.

First Financial Bank is here to help with all of your business needs. For more information about e-Returns, talk to any of our banking center managers or call 800-511-0045.


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