Business Checks

How does Bad Check Recovery work?

• Once you enroll in Bad Check Recovery all of your business checking accounts will be set up for the service.
• Returned Business checks are sent to our Bad Check Recovery vendor.
• Eligible checks are imaged and available for your review on Wachovia Business Online.
• You will receive notification each time a new returned item is received and you have 48 hours to login into Wachovia Business Online to review this item and determine if you want to handle the collection directly with your customer.
• Checks will then be redeposited electronically using the Automated Clearing House (ACH).
• If the check is returned again, the Bad Check Recovery service will attempt to verify funds with the check writer’s bank for up to 45 days before returning the check to you.
• Once collected, 100% of the face value of the check will be credited to your account on the next business day. You will also receive notification each time your account is credited.