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Re$ubmitIt®

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

Valley Bank’s electronic check recovery service, Re$ubmitIt® significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery 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 discreetly and 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 Valley 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.


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 greater than $2,500, are returned to the business.

If you have questions about Valley Bank’s Re$ubmitIt® electronic check recovery service - call 1-866-860-5906.

Click here to track a check’s status.