Which of the following can be added to the face amount of a Check in an RCK transaction?

• A. Service charge
• B. Additional collection fee
• C. Late fee
• D. No additional fee

Answer: (D)

In an RCK (Re-Represented Check) transaction, the key principle is to facilitate the collection of funds in a streamlined manner after a check has previously been returned for insufficient funds. For an RCK transaction, the face amount of the check cannot be altered or added to by including any additional charges, fees, or penalties. This limitation is designed to maintain clarity and ensure fair processing standards in ACH transactions.

Adding any additional fees, such as service charges, collection fees, or late fees, would violate the guidelines established by the NACHA Operating Rules that govern ACH transactions. Thus, the total amount submitted for RCK processing must strictly reflect the original check amount, with no inflations or extra charges included. This ensures that the transaction complies with electronic payment systems and reduces the risk of disputes between the parties involved.