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About Re$ubmitIt

Harford Bank is here to help you with all of your business needs, including one of your biggest headaches – returned checks.

Harford Bank’s electronic check recovery service, Re$ubmitIt, significantly reduces the burden of collecting funds form NSF checks, while potentially doubling your recovery rate. You’ll collect more returned checks and get 100% of the face value of all checks that are collected electronically!

How does Re$ubmitIt work?

The Re$ubmitIt electronic check recovery service handles the collection process 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 Harford Bank to Re$ubmitIt where eligible checks are converted into electronic items for re-presentment to the check writer’s bank account for collection.
  2. The electronic check file is processed and strategically timed for re-presentation. Presenting checks at proven “smart dates” improves the chance of collection.
  3. If the item is not recovered on the first electronic re-presentment, it is re-cued for a second electronic re-presentment (third total). If this third presentment fails, the check can be sent to Re$ubmitIt’s FREE secondary 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 a state-regulated collection fee to cover the cost of collection.


Participants in the Re$ubmitIt program can click the Re$ubmitIt logo to be directed to the Re$ubmitIt web site.

To be eligible for electronic recover, a returned check must:

CheckMarkBe a personal check to a business (not a business to business check)
CheckMarkBe under $2,500
CheckMarkBe less than 180 days old from the date of transaction
CheckMarkCannot have been already submitted twice, either electronically or by paper draft

What happens to ineligible checks?

Returned items that are less than $2,500 and ineligible for electronic re-presentment are re-submitted to the check writer’s account as a paper draft, subject to eligibility requirements. Items greater than $2,500 are returned to the business.

If you have questions about the Re$ubmitIt electronic check recovery service, please e-mail them at .