NSF Check Recovery - A FREE Service for Businesses

How our Free NSF Check Recovery Process Works

A letter of authorization is sent to your bank, requesting them to forward any returned checks directly to Last Echo, LLC for processing.
A sign is posted at the point of sale to notify customers that NSF checks will be electronically debited for the amount of the check, as well as for the State authorized processing fee. Click to view a sample label.
When Last Echo, LLC receives an NSF item, it is entered into our database and re-submitted electronically through the ACH (Automated Clearing House) network for next day debiting of the check writer's bank account.
Within 7 business days following recovery of funds, 100% of the face value of the check is credited directly into your account via electronic deposit. We keep you informed of the process through timely reports that are emailed to you or can be delivered by FAX/mail.
The few checks that are not recovered electronically, such as closed account, etc., can be forwarded on to our full service collection associates where traditional check collection methods are applied. Unlike other companies who will charge you 15% to 35% for 3rd party collections, with Last Echo, LLC, you will still receive 100% of the face value of your recovered checks.