Texas eCheck provides free NSF check recovery, Back Office Conversion (BOC), and ACH processing solutions.

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Free NSF Check Recovery Services

We'll collect your bad checks for free...Then we'll pay you the face value + $5.00 each.

Bad checks are a big problem in Texas and the entire U.S., and you can count on us to reduce your risk. Whether you're in Austin, Corpus Christi, Dallas, El Paso, Houston, Rio Grande Valley, San Antonio, or anywhere in the U.S. Texas eCheck has you covered.  Click here to download a printable brochure.

Please follow these links for more information if you are a Medical Office, Retailer/Merchant, or School District

This is a free service, the check writer pays the fee. Recent changes to the banking rules allows collection of NSF checks electronically through the Federal Reserve Automated Clearing House. We'll reduce your bank fees and increase your bad check recovery rate. In fact, you can expect bad check recovery rates well over 80% within 30 days.

How do we do it? By monitoring the check writer's bank account we can position your check at the head of the line when represented for payment, and electronic transactions generally take priority over other account activity.

  • Non Alienating  We debit the check writer's account electronically without contacting them. We save you and the check writer the embarrassment associated with a bad check, and we don't use abusive tactics like a conventional collection agency. If one of your good customers accidentally writes a NSF check you can call our Processing Center and we'll send it back to you. You can even continue to use your County Attorney for difficult accounts. Here's how we do it.
  • The Service is Free  In fact we pay you the face value + $5.00 for each check we collect. We keep the balance of the state allowed fee (collected from the check writer) as payment for our services. You will never be charged a fee.  As an Electronic Check Alliance Processing Member (e-CAP) we can recover checks drawn on almost any U.S. Financial Institution.
  • No Special Equipment is Required to Use Our Service  Your NSF checks are automatically forwarded to our processing center via your bank and the Federal Reserve. We'll let you know by e-mail or fax when we get a check.  Our secure Web Site allows you to monitor collection activity 24/7. 
  • We Do All the Work  We'll handle the entire recovery process. Your staff can focus on serving your customers instead of making uncomfortable phone calls or sending letters to collect a bad check. We'll keep you updated by fax or e-mail. You can expect recovery rates well over 80% within 30 days.
  • No Long Term Commitment  You are not locked into a long term contract  to user our service.  In fact we welcome you to give us a try for 30 days and let the service speak for itself.
  • Excellent Service  You can expect excellent customer service from our headquarters staff and your representative. We take pride in making sure that you won't hesitate to recommend our service to others. Texas eCheck is an Electronic Check Alliance Processing Member (e-CAP). As a leading U.S. check processor e-CAP is a member of the Better Business Bureau (BBB), and American Collectors Association (ACA) for your peace of mind.
  • Secondary Collection  Texas eCheck provides secondary collection for closed accounts. There is no additional fee for this service, and you can use secondary collection at your discretion. We have a nationwide network of attorney's that specialize in difficult accounts. You can even opt to use your County Attorney for difficult accounts.
  • Consolidated Returns  We offer a consolidated return service where we can intercept the NSF check directly from the Federal Reserve and electronically transmit it to our processing center for recovery.  This service not only speeds the collection process but notifies you of a bad check within 24-48 hours vs the 7-10 days thru your bank.  

If you have a high volume of checks, Texas eCheck's Back Office Conversion (BOC) may be the best option for your business, Click here to learn more about how Back Office Conversion can streamline your check processing.

The primary goal of any business is to provide excellent service to it's customers, not to chase down NSF checks. We can remove this burden from your staff and increase your cash flow. We will discretely recover your NSF checks without alienating the check writer.

Put us to work, you and your staff will love it!

Texas eCheck is a San Antonio based company providing affordable payment processing solutions for your business. From NSF check recovery to state-of-the-art ACH payment solutions we have you covered. For a no-obligation, no-nonsense consultation with one of our professional representatives please use our contact page.

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