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Re$ubmitIt


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Farmers State Bank is here to help you with all of your business needs, including one of your biggest headaches- returned checks.

Farmers State Bank's electronic check recovery service, Re$ubmitIt significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recover rate. You collect more returned checks and get 100% of the face value of all checks that are collected electronically!


How Does Re$ubmitIt Work?

The Re$ubmitIt electronic check recovery service handles the collection process electronically from beginning to end, via the Automated Clearing House (ACH) network for re-presentment directly to the check writer's bank account.

1. Returned checks are sent from Farmers State Bank to Re$ubmitIt, where eligible checks are converted into electronic items for re-presentment to the check writer's bank account for collection.

2. The electronic check file is processed and strategically timed for re-presentation. Presenting checks at proven "smart dates" improves the chance of collection.

3. 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.

4. 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.

If you have questions about the Re$ubmitIt electronic check recovery service, please email them at support@resubmitit.com.


To be Eligible for Electronic Recovery, a Returned Check Must:

  • Be a personal check to a business (not 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-presentment 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.