UnknownCharges

ACH Standard Entry Class (SEC) Code

What does RCK mean on a bank statement?

RCK

· Evidence review pending · Content revised

08/05 KROGER RCK CHK# 1024 RET $45.20

Illustrative entry. The example date and amount do not establish your bank’s format or a real transaction.

Plain-English Definition

Registry label for RCK: Re-Presented Check Entry. Unreviewed registry note: RCK is used by merchants and collection agencies to re-present a paper check electronically via ACH after it was initially returned for non-sufficient funds.

Important: What this code is NOT

Unreviewed registry note: RCK is not a new or unauthorized purchase. It is the electronic re-clearing of an existing paper check you previously wrote that failed to clear on the first deposit attempt.

Understanding RCK (Re-Presented Check Entry)

Unreviewed registry note: RCK (Re-Presented Check Entry) occurs when a paper check you wrote bounced due to insufficient funds (NSF) or uncollected funds, and the merchant or collection agency re-submits the check electronically through the ACH network.

Unreviewed registry note: Nacha rules restrict RCK entries strictly to items under $2,500 that were originally written as standard consumer paper checks.

Unreviewed registry note: The originator may only attempt to re-present an item a maximum of two times after the initial physical check return.

Find the transaction details

Read the complete entry and its direction before looking for a company. A code may describe a deposit, payment type or status; it does not necessarily identify a purchase:

  1. Step 1 Unreviewed registry note: Check your checkbook register or check carbon copies for the check number, which is almost always printed in the description field next to 'RCK' (e.g., 'RCK CHK# 1042').
  2. Step 2 Unreviewed registry note: Match the exact dollar amount to recent returned check notices or NSF fee entries on your previous statement cycle.
  3. Step 3 Unreviewed registry note: Contact the merchant or billing entity you wrote the check to and confirm if your account balance has been settled.

Example statement lines

These are lookup illustrations. Bank layouts vary, and an example does not establish a particular originator or authorization:

  • KROGER RCK CHK# 1024 RET
  • WALMART RCK CHECK# 502
  • TARGET RET CHK RCK 1892
  • RCK ENTRY CHECK 0294 RE-PRES

Questions about RCK

What does RCK stand for on a bank statement?

Registry label for RCK: Re-Presented Check Entry. Unreviewed registry note: RCK is used by merchants and collection agencies to re-present a paper check electronically via ACH after it was initially returned for non-sufficient funds.

Is RCK the name of a company?

Unreviewed registry note: RCK is not a new or unauthorized purchase. It is the electronic re-clearing of an existing paper check you previously wrote that failed to clear on the first deposit attempt.

How can I find the originator or merchant for a RCK entry?

Unreviewed registry note: Check your checkbook register or check carbon copies for the check number, which is almost always printed in the description field next to 'RCK' (e.g., 'RCK CHK# 1042'). Unreviewed registry note: Match the exact dollar amount to recent returned check notices or NSF fee entries on your previous statement cycle. Unreviewed registry note: Contact the merchant or billing entity you wrote the check to and confirm if your account balance has been settled.

Source references

These references accompany this entry. A claim-level evidence review is pending; a citation alone does not verify every statement.