We Manage Your Collections and Receivables

NSF Recovery

Believe it or not, InChek actually began their business with solely recovering bad checks, and they still continue to offer this service today!

Electronic check representment is the quickest and most efficient method of NSF check recovery available. At InChek we provide you with weekly NSF reports, combined with your Centralized Returns so that you can stay on top of things and be proactive when it comes to NSF recovery. You’ll have access to view all of your check images via our secure online portal and will receive our NSF notifications a week sooner than the bank’s notifications. And get this …you’ll no longer be charged an NSF fee by your bank!

But how exactly does this work, you might ask?

As soon as the writer of a bad check funds his or her bank account, InChek electronically resubmits the check, then transfers the full amount into your account.

Recovery and reimbursement occur in less time and at less cost to both you and your customer. The process is so seamless that more times than not, your customer isn’t even aware he or she wrote a bad check.

InChek keeps you informed every step of the way, and your personal account manager is always there to answer any questions or concerns you may have.

Our customer service staff is specially trained to create positive outcomes; if your check writers call us, we’ll take care of them.

Here is exactly what you get with InChek’s program:

  • Your own personal account manager
  • Non-Sufficient Funds (NSF) check collection rates of 75-95%
  • 100% of the face amount deposited to your account weekly
  • Fast and efficient recovery
  • Immediate notifications
  • Payment priority – Electronic deposits are processed first each day
  • Improved customer relations
  • Electronic Check Re-Presentment and Centralized Returns


InChek is also a full-service, licensed and bonded collection agency providing your business with both accounts receivable and returned check collection services. Our collections program is headed by Lynda J. Scanlon, whose 25 years of experience with revenue recovery and collections management have created a program that even debtors compliment us on!

InChek’s approach to collections is based on the knowledge and understanding that nobody enjoys being in debt.  Therefore, we understand that people respond better when treated with kindness and respect, as opposed to endless harassment and threats. Gentle but persistent pressure is the key to settling your accounts without sacrificing your relationships with your customers. InChek’s collection process begins and usually ends with a friendly letter and a phone call.  We do our very best to avoid escalating collection attempts the credit bureau and database reporting (which eventually leads to legal action and asset seizure) unless absolutely necessary.

We at InChek have learned that there is a very specific formula to effectively settling your collection accounts:

CONSISTENCY: We have found that the most effective collection tool is immediate contact. InChek’s partnership with Karuna Financial enables us to provide consistent timing and follow-through by eliminating the delay due to passing on delinquent accounts to other 3rd party agencies. InChek is often able to contact a debtor, receive payment, and reimburse the merchant in a fraction of the time it would normally take an outside agency to do so.

SENSITIVITY: Our collection specialists at InChek treat your customers like their own. They are specially trained to find the most effective payment solution that works for your customers, as well as for the merchant. By establishing a friendly dialogue early, and keeping the lines of communication open, InChek successfully resolves most situations quickly and efficiently to ensure your customer relations are preserved.

COMMITMENT: InChek is dedicated to managing your collections prudently in order to obtain payment while protecting your most valuable asset: your customers. Variable collection strategies allow InChek to meet the needs of both merchant and customer whenever possible. All collection activity is conducted in compliance with state laws and the federal Fair Debt Collection Practices Act.

Here at InChek we work closely with our clients to facilitate the most effective recovery solutions and offers debtors flexible payment plans and multiple payment options. We also have established strong working relationships with attorneys and law enforcement agencies around the country to provide the best opportunity for successful recovery.


Do you run a business that regularly invoices the same customers? InChek’s automated payments service provides your business with the perfect solution by allowing you to set up periodic transfers from your customers’ bank accounts to yours. The only thing better than automated invoicing is not having to invoice at all!

Electronic funds transfers (EFT’s)  are the most convenient methods for receiving funds instantly into your bank account. Let InChek fully automate your receivables by streamlining your accounting and receiving your payments at the same time every week, month, quarter, etc.

Here are just SOME of the many benefits InChek provides by fully automating your receivables:

  • Decreases invoicing and reliance on your customers mailing checks to your company.
  • Speeds up account reconciliation for both you and your customers.
  • Electronic payments are significantly less expensive than credit card payments.
  • Returns/NSFs are automatically reprocessed in a timely fashion.
  • EFTs and depositing Checks via your mobile device, allows you to skip that trip to the bank!

Remote Deposit

Tired of making daily trips to the bank, or paying someone else just to deposit your checks?

Whether your business receives 10 checks a day or 10 thousand, recent innovations in electronic processing can save you time and money. Thanks to the introduction of Accounts Receivable Conversion (ARC) and the passage of the Check Clearing Act for the 21st Century (“Check 21″), InChek can help you deposit your checks from the comfort of your own office simply by running them through a scanner connected to the Internet. The scanner creates a digital image of each check which gets routed to the check writer’s bank (for debit) and to yours (for credit).

Corporate checks, travelers’ checks, and other check types previously ineligible for electronic conversion can now be easily processed by InChek. Returns/NSFs are usually received within 3 days and can be automatically processed through our signature returned check program, providing you with the quickest possible recovery.

InChek’s electronic check deposit program offers better data accuracy assurance and scalability than other traditional lockbox programs. Regardless of check volume, your checks can all be directed to a central bank location; for higher-volume merchants, this eliminates the need for multiple regional collection points. And of course you can easily view and download check images and data at any time through our interactive Web interface.

InChek also provides you with a brand new Feature: Our most recent developments in the latest technology now allows small volume check merchants to deposit checks through your fax machine as well!

Here are some of the great features of this new remote electronic deposit program: 

  • No need for a check scanner
  • Extremely affordable
  • Our check carrier sleeves are manufactured in house and hold three checks each

And here are some of the key benefits of this new program:

  • Reduced bank deposit fees
  • Next day funds availability
  • Returns available 3-10 days sooner than traditional models
  • Check acceptance remains significantly cheaper than credit card payments
  • Results and data are easily downloadable and can be integrated with most common accounting and bookkeeping software

What are You Waiting For?

InChek’s client attrition rate is dramatically lower than the average client in the payment processing industry. This is in part due to the fact that enjoy the personal relationships we develop with all of our clients. As a small boutique shop, we at InChek are selective about the clients we take on. It has never been in our business model to be a processing factory as we strive to develop personal and long term relationships with all of our clientele.  At InChek, our commitment to cutting edge technology and clear communication ensures that our clients receive the best possible services, support, and enhancements available to them.

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