Ready to Start? Direct Recovery Application Bank Release Authorization To-Do Check List Check Recovery Q&A

Direct Recovery Gets You Your Money!

Direct Recovery is by far the best way to recover checks that are returned non-sufficient funds (NSF). By using a variety of fully electronic collection techniques, backed up with traditional attorney-assisted collections, ACH Direct can provide the absolute highest collection ratios and the quickest funding available today.

Electronic Check Recovery is a Win-Win Situation! Your customers will benefit, because bouncing a check is an embarrassing thing that no one likes to handle in person. Electronic Check Recover handles it for them quietly. You, the merchant, will never have to spend valuable time and money collecting bounced checks. Plus, there is no collection cost to you.

Automated NSF Check Recovery Features

• Receive 100% face value of collected checks
• Collected funds are deposited into your account on a weekly basis
• Fully automated electronic process
• Electronic account monitoring assures highest collection ratios
• FREE valuable Online Reporting
• Integrated traditional attorney assisted collections
• NO COST for this collection service to the merchant
• Plus, $5 rebate to you the merchant from collected return check fee from NSF Check writer
• No limit on number of checks
• NO long-term contracts to sign
• Eliminates high cost of guarantee services
• No special equipment needed

Free to Merchant
The Key to ACH Direct's success is Electronic Account Monitoring System (EAMS). With EAMS, accounts are able to be electronically queried to find out when the checking account has sufficient funds to cover the outstanding item or returns to a positive balance. A positive response triggers an electronic debit of the checking account for the amount of the NSF check. We will then automatically fund each item successfully collected to the merchant.

This completely electronic process not only substantially increases the chances that the check will be recovered, but makes this the most cost efficient means in collecting NSF checks. (Check Guarantee's are "peace of mind" for you but will hit your bottom line hard in "guarantee" fees).

If we are unable to collect the check electronically (closed account, etc), then we offer a traditional attorney-assisted collection option. You, the merchant, will still receive 100% of the check's face value on all items that are successfully collected.