Home Download Acrobat Reader 5.0 or higher to view .pdf files. St. Johns Bank & Trust PERSONAL BUSINESS SERVICES CONNECT SEARCH LOGIN Re$ubmitIt® Helping you with all your business needs St. Johns Bank's electronic check recovery service, Re$ubmitIt® significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery rate. You collect more returned checks and get 100% of the face value of all checks that are collected electronically! How Does Re$ubmitIt® Work? The Re$ubmitIt® electronic check recovery service handles the collection process electronically from beginning to end, via the Automated Clearing House (ACH) network for re-presentment directly to the check writer's bank account. Returned checks are sent from St. Johns Bank to Re$ubmitIt®, where eligible checks are converted into electronic items for re-presentment to the check writer's bank account for collection. The electronic check file is processed and strategically timed for re-presentation. Presenting checks at proven "smart dates" improves the chance of collection. If the item is not recovered on the first electronic re-presentment, it is re-cued for a second electronic re-presentment (third total). If this third presentment fails, the check can be sent to Re$ubmitIt's FREE secondary collections, or the check can be sent back to you. Upon settlement, 100% of the face value of the check is reimbursed to you automatically. The check writer's account is charged a state-regulated collection fee to cover the cost of collection. To be Eligible for Electronic Recovery, a Returned Check Must Be a personal check to a business (not business-to-business) Be under $2,500 Be less than 180 days old from date of transaction Cannot have been already submitted twice, either electronically or by paper draft What Happens to Ineligible Checks? Returned items that are less than $2,500 and ineligible for electronic re-presentment are re-submitted to the check writer's account as a paper draft, subject to eligibility requirements. Items greater than $2,500 are returned to the business. If you have questions about the Re$ubmitIt® electronic check recovery service, please email them at support@resubmitit.com. SECURITY Identity Theft can target anyone – stay safe with these simple guidelines. Security Education RATES View current rates when planning for your next financial move. Explore Rates Mortgages House hunting? Refinancing? Start with St. Johns Bank. We offer a variety of loan options to meet your unique needs. Contact Joanne Miller at (314) 428-1059 ext. 3923 or fill out our online mortgage application. St. Johns Bank & Trust CONNECT Locations Contact Us Careers HELPFUL LINKS Lost or Stolen Card Reorder Checks (Opens in a new Window) FAQs DISCLAIMERS Privacy Statement Terms of Use USA PATRIOT Act Security Center Facebook LinkedIn Twitter © 2021 St. Johns Bank & Trust Member FDIC Equal Housing Lender Created by Banno