Re$ubmitIt® Program

At Bank of Botetourt, we know how important it is for you to collect your hard-earned money in a timely manner. For this reason, Bank of Botetourt's electronic check recovery service, Re$ubmitIt®, significantly reduces the burden of collections while potentially doubling your recovery rate.

How Does Re$ubmitIt® Work?

The Re$ubmitIt® electronic check recovery service handles the collection process discreetly and electronically from beginning to end, via the Automated Clearing House (ACH) network for re-presentment directly to the check writer's bank account.

  1. Returned checks are sent from Bank of Botetourt to Re$ubmitIt®, where they are converted into electronic items.
  2. The electronic check file is processed and strategically timed for re-presentation to the check writer's bank account for collection. Presenting checks at proven time slots improves the chance of collection.
  3. If the item is not recovered on the first electronic re-presentment, it is re-cued for a second electronic re-presentment (third total). If this third presentment fails, the check will be sent to Re$ubmitIt's® traditional collections, or the check can be sent back to you.
  4. Upon settlement, 100% of the face value of the check is reimbursed to you automatically. The check writer's account is charged the state-regulated NSF fee to cover the cost of collection.

Re$ubmitIt® Benefits to the Merchant:

  • Free service.
  • Dramatically improves the collection of non-sufficient funds (NSF) checks.
  • Significantly reduces collections costs.
  • Reimburses 100% of the check's face value.
  • Recovers money faster.
  • Simple to use.
  • Toll-free customer support and 24/7 Web access.

For more information about Bank of Botetourt's Re$ubmitIt® electronic check recovery service, contact (540) 591-5000 or email

Re$ubmitIt FAQ (Frequently Asked Questions)


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