Check Recovery Service
Recover 100% of bad checks
Collect funds easier with check recovery services
Let us do the work to collect your funds. Our check recovery services make it easy to resubmit checks and often result in faster collection. Spend less time chasing money from bad checks—and more time focused on your business.
Better cash flow
Improve cash flow from recovered checks.
Daily deposits
Deposits are made automatically every day for collected funds.
Reduce costs
Experience a significant savings of both time and money.
benefits
Your time is valuable
Non-intrusive
A collection process that's non-intrusive to your customers and reduces your need for making phone calls or incurring collection expenses.
Online recovery
No equipment or software needed, as check recovery services occur online.
No fees
No redeposit fees or return fees for resubmitted checks or checks returned a second time.
Reduce effort
Eliminate the need for in-house collection efforts.
Automate the recovery process
First Citizens has partnered with Unity FI Solutions to offer Smart Returns™ which recovers 100% of bad check amounts for you—without you making a phone call or incurring collection expenses. Most importantly, this check recovery service is free for our business customers.
Returns
Smart Returns™ converts returned items into an electronic transaction and re-presents it two more times through ACH.
Complimentary service
Your First Citizens account is credited for 100% of the check amount, if the funds are collected, keeping the service complimentary for your business.
Manage your business on the go
Manage your accounts from anywhere
Send and transfer money using ACH and wires
Receive account and security alerts
Manage your business on the go
Manage your accounts from anywhere
Manage your business on the go
Send and transfer money using ACH and wires
Manage your business on the go
Receive account and security alerts
