Strongest Midsize Bank in Kansas City



Morrill & Janes Bank


Who is Global Check Recovery?
Global Check Recovery (GCR), incorporated in 1998, provides a valuable check collection service to companies and organizations throughout the nation. They are located in Lee’s Summit, Missouri. GCR works with their partners on a case-by-case basis tailoring a fully customized solution to the company or organization’s specific wants and needs and can adapt this solution as the requirement of the organization grow and change – they do not believe in blanket policies that become stagnant with time in an ever-changing market – much like Morrill & Janes Bank.

What type of checks can be electronically re-presented?

  • Personal checks. GCR can only send letters to collect on business checks.
  • Check must be no more than 180 days old.
  • Check must be less than $2500.00.
  • Proper notification must have been given at the point of sale.
  • Checks must be returned as NSF, Insufficient Funds or for similar reasons. 
  • Checks may not be deposited more than a total of 3 times. Usually, checks are deposited once by the merchant and 2 additional times by the RCK processor.
    Are there any minimums?
    No, the client may send as many or as few checks as they want.
    Can the check recovery service be utilized to collect out-of-state checks?
    Yes, the system can collect checks written anywhere in the U.S.
    How much does the service cost the client?
    Nothing! GCR is paid the check return fee. There are never any fees to the business that deposited the check.
    Does the client have to sign a long-term contract?
    No, there is no long-term contract to sign. In the unlikely event that a merchant would like to stop using our free Check Recovery service, all they have to do is stop sending in checks. There are no cancellation fees and we will continue to recover funds from the NSF checks that are already in our system.
    How quickly does the client receive reimbursement?
    The client receives payment every week for funds recovered and settled the previous week. They also receive weekly reports that detail the checks that have been entered into the system and payments received.
    Why should I use your redeposit service instead of a collection agency?
    Let us compare these two totally different services.




Collection Agency

Service Charge



Monthly Minimum



Effective for out of State Checks


Not Usually

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Minimum Transaction Size



Success Rate



Who can use the Check Recovery Service?
Any business that accepts checks can use The Check Recovery Service, regardless of the number of bad checks it receives.

What Is Electronic Check Re-Presentment (RCK)?
RCK, or Re-presented Check Entry, is the process of converting a returned paper check into an electronic item and re-submitting it to the check writer’s bank account through the Automated Clearing House (ACH) network. This proven methodology allows checks to be presented twice electronically after they have already been presented once in paper form, thereby increasing the collection opportunities for recovery.

How does RCK work?
The process could not be simpler:

  1. You inform customers of the Check Recovery Service electronic check recovery policy by posting notification at the point of sale, or by including notification on invoices, work orders, etc. 
  2. Your bank is directed (via the Return Item Release form) to forward all returned checks to GCR’s processing center, where the NSF items are presented electronically to the check writer’s account, using strategic timing when funds are most likely to be available.
  3. If the check fails to clear on the first electronic submittal, it will be re-presented again, thereby increasing the opportunities for recovery. 
  4. The check writer’s account is debited twice: once for the full amount of the check and once for a state-regulated fee. 
  5. The Check Recovery Service automatically deposits the amount of the collected check into your bank account weekly.
  6. You review and check status of the recovery process online, 24/7.

Why is The Check Recovery Service so successful?
The process recovers the money you are owed... faster and easier because:

  • Additional Submissions —the conversion of an NSF check to an electronic transaction allows two additional submissions to the check writer’s checking account, thereby increasing the opportunities for collection. 
  • Electronic Prioritization —Financial institution clearing procedures typically give priority to electronic transactions, which increases collectability.
  • Timely Re-submissions —the Check Recovery Service strategically times the submission of electronic items in anticipation of consumer paydays, which greatly improves chances of collection.

Does RCK provide cost savings for a business? 
Yes. You spend less time and resources on traditional collection methods, like phone calls and letters.
How can this service be FREE?
The Check Recovery Service is able to offer this service at NO COST to you because we charge the check writer a state-regulated NSF fee for the reimbursement of expenses associated with the collection effort. The process is federally authorized and approved by NACHA–The Electronic Payments Association.
The recovery costs you nothing!
Is RCK legal?
Yes. The process is federally authorized and approved by NACHA–The Electronic Payments Association. Additional information on this subject is available at the Federal Reserve Web site.
How many times can a check be presented? 
A check can be presented to a check writer’s account a total of three times—once by paper draft and twice electronically.
Do I need to notify my customers? 
Yes. You must notify customers of the Check Recovery Service electronic check recovery policy by posting notification at the point of sale, or by including notification on invoices, work orders, etc. GCR will provide you with the stickers or appropriate language to ensure your customers can be notified.
Can the Check Recovery Service recover all my bad checks electronically? 
No. Some items cannot be presented electronically for recovery, e.g., if the account is marked “closed” or “stopped payment;” if the amount of the check is over $2,500; if the check is from a business; or if it is more than 180 days old.
What happens to checks that cannot be collected electronically?
In the event a returned check is not eligible for collection via RCK, or those efforts have been exhausted, The Check Recovery Service can conduct secondary collection efforts (contact by letter). You will be contacted to approve any further collection efforts requiring legal services, such as filing suit to obtain judgment and payment. In such cases, you will receive a percentage of the collected face value, depending on the amount of the check and the steps necessary to collect it.
Who retains the paper check when RCK is used? 
The Check Recovery Service must retain the paper check for 90 days and an image of the check for two years in accordance with NACHA–The Electronic Payments Association.
How do I start?

  1. Simply print and fill out the Client Agreement for Global Check Recovery and send it to your Morrill & Janes Bank representative or to Global Check Recovery at 17 NE Skyline Drive, Lee’s Summit, MO 64081. 
  2. As soon as we receive the signed Client Agreement from you, your service account will be set up right away. You will receive a Return Item Release form to fill out, which directs each financial institution you deposit checks to, to send all returned checks to GCR’s processing center. (You can even fax this Return Item Release form to your financial institution).
  3. That’s all you do! You will receive supplies from a bank representative and they will answer questions and help you get started.

How quickly will I receive funds from the collection of my NSF checks? 
100% of the face value of any check collected is remitted to you on a weekly basis.