Eligible Checks
Most are eligible for the Check Enforcement Program. These include checks returned because of :
“Insufficient ” or “Non-sufficient Funds”
“Closed Account”
“No Account”
Ineligible Checks
Some checks are not eligible for the Check Enforcement Program. Checks that do not qualify include:
• Counterfeit or forged checks or checks marked Refer-to-Maker
• Stop Payment checks
•
Checks passed outside
• Checks received in the mail
• Post dated, pre-dated or altered checks
• Agree-to-hold checks
• Checks as payment on an open account
• Two-party checks
• Checks missing amount, signature or date
• Checks taken when both parties knew there were insufficient funds at the time of the transaction
• Checks older than 90 days
• Check previously submitted to a collection agency
You may still wish to pursue these checks with the help of an attorney or in a civil proceeding.
Follow Up
We will keep you informed about your checks as they pass through the Program. You will receive the money due you that is recovered or we will hold the check in an inactive status. If we obtain new information regarding the check or check writer, the check case may be re-activated and pursued further. You may also request that an inactive check be returned to you. In any event, you will hear from us within 120 days of the receipt of a check.
In certain circumstances, a check that you submit may be diverted from the Program to go immediately to prosecution. In the event of criminal prosecution, we will notify you and keep you informed during the process.
More Information
We will do our best to make sure your bad checks are handled efficiently and promptly. If you have questions about this Program or any bad checks you have submitted, call:
Toll-Free
1-888-820-4173