Once a check is returned by your bank for non payment:

1. The check is forwarded by your financial institution to Secure Check and immediately converted to an electronic transaction for automatic electronic recovery.
2. The check image and check writer information is instantly available via secure web site.
3. The check writer's account is debited for the amount of the check and applicable state fees.
4. You are reimbursed 100% of the amount of the check directly to your account.