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Financial and Non-Financial Institutions

RCK (Represented Check Entry)

State-of-the-Art RCK

EFT Direct offers the most advanced RCK service in the country today. We offer this service utilizing EPASS. After imaging the NSF checks and their MICR information, the file is sent via FTP to our EPASS server in one or different batches at whatever time of the day you wish. Our system will then send your ACH file in realtime for verification using the parameters set by ATMVerify. as well as other very large databses composed of business and personal checks. The accounts reported negative will not be hit, so, they won't represent an ACH attempt. This will increase the recovery rate, as we can run more attempts (NACHA currently allows a total of three attempts). You can also preset the date of the next ACH attempts for these negative accounts. The funds will be deposited in your account the "NEXT DAY". For larger accounts, we may be able to interface directly with your bank, so the funds may be available the same day. The following is the list of banks we have interfaced with:

  • Bank of America
  • Bank of Florida
  • Bank One
  • And More soon...

    Usually, the size of the merchant is the most important determinant of whether their depositing bank will cooperate with the integration process. Let us assist you in determining that possibility.

    Benefits:

    • Low per transaction cost
    • Minimal programming
    • Faster availability of funds (possibly same-day for larger merchants). Also See EPASS
    • Reduced handling costs: No need to transport paper checks
    • Greater transaction security
    • Reduced chance of errors
    • Save on postage expenses
    • Full training and support
    • State-of-the-art transaction processing software, unmatched by any other company
    • Easy to implement
    • 24/7 service with 15-minute response time
    • Customized reports easily importable into your existing accounting software
    • Free consultation

      Contact Us today for more information.