	Electronic Check

How Electronic Check Works Point of Sale - POP Back Office - BOC Accounts Receivable / Lockbox - ARC Internet Checks - WEB Mail Order/Telephone-TEL Check 21


	Check Risk Management

Check Guarantee* Check Verification


	Check Recovery

Represented Checks - RCK Check Collection Return Fee Collection


	Check Management Tools

Image Repository Reconciliation & Returns Management Online Reporting & Management Consolidated Returns

* Subject to EnCircle
policies and procedures.

Consolidated Returns

With EnCircle's Consolidated Returns service, merchants can consolidate all returned checks into one bank account. This service can be fully integrated into EnCircle's Re-Presented Check and Check Collections services, providing a comprehensive check solution.

Consolidated Returns allows merchants to maintain existing depository relationships without changing their existing processes, while increasing efficiency and reduce costs. Returns are communicated more quickly and NSF items are recovered faster.

Outstanding Features and Benefits:

	Online Reporting.
	Reduced costs and bank fees.
	Streamlined returned check processes.
	Check Imaging.
	Flexible Re-Presentment and Check Collection options.
	Simple start-up.