	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.

Reconciliation & Returns Management

EnCircle can originate transactions through any ACH originating organization and manages all the time consuming back office returned check processes. Checks clear faster and funds are more quickly made available.

EnCircle provides detailed files for use in reconciliation efforts, in addition to real-time, exportable online reporting. Standard report files contain all the data needed to track original check transactions, returned checks and re-presented items.

Benefits of EnCircle's Reconciliation and Returns Management include:

	Flexible settlement options.
	Fully integrated, automatic returned check and re-presentment processes.
	Detailed transaction activity reports.