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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:

  • Be a personal check to a business (not a business to business check)
  • Be under $2,500
  • Be less than 180 days old from the date of transaction
  • Cannot 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 .

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NMLS #630406
Routing #055001070

8 West Bel Air Avenue
Aberdeen, MD 21001

member of FDIC and equal housing lender


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