The RCK (Re-Presentation Check Entry) format is used to represent a returned check, through the generation of a single entry ACH debit. The RCK SEC allows for a single entry ACH debit transaction to re-present a paper check after the paper check has been returned for either insufficient or uncollected funds.
For more information regarding ACH, refer to About ACH Payments.
The RCK entry is subject to NACHA operating rules, the Uniform Commercial Code and Federal Reserve Regulation CC. The RCK entry is not subject to Electronic Funds Transfer Act or Regulation E.
An item must comply to the following, if the item is not eligible as an RCK entry:
Be an item within the meaning of the Revised Article 4 of the Uniform Commercial Code.
Be a negotiable demand draft drawn on or payable through or at a participating DFI. This does not include a Federal Reserve Bank or a Federal Home Loan Bank.
Contains a pre-printed serial number.
Be in an amount up to and including $2,500.
To enforce the amount limit a decline error message will be returned to the merchant if the amount is exceeded. The error message will read, “RCK limit has been exceeded.”
Indicate on the document that the item has been returned for insufficient or uncollected funds.
Be dated less than 180 days from the date the entry is transmitted to the RDFI.
Be drawn on a consumer account.
The item must have been presented no more than twice in paper form; as well as no more than once in paper form if an RCK entry is to be retried once. No more than one retry is allowed.
For NSF Retry logic, RCK transactions can only be retried once.
Only the face amount of the item can be submitted.
The merchant must provide notice to the check writer prior to resubmitting through ACH, of the intention to submit electronically. The notice must clearly state the terms of the Re-presented Check Entry policy.
The merchant must retain a copy of the front and back of the item for seven years from the settlement date of the RCK entry. If the check has finally been paid, this must be indicated on the copy.
60 day return policy applies to RCK.
The following format requirements apply to an RCK transaction:
"REDEPCHECK" appears in the Company Entry Description Field of the Company/Batch Header Record.
Original payee on the face of the check appears within the Company Name Field of the Company/Batch Header Record.
Check serial number of the check is placed within the check serial number field of the entry.
Information that appears on this page is taken from ACH Compliance Manual: How to Comply with ACH-Related Rules and Regulations, copyright 2003 by NACHA, Electronic Funds Transfer Act, Regulation E, Uniform Commercial Code, and Federal Reserve Regulation CC.