• establish a Consolidated Returns Account with Cash Flow Solutions
• deposit enough funds for one weeks worth of bounced checks
• replace your endorsement stamp with the consolidation/endorsement stamp
• deposit your checks as normal.

If there are insufficient funds in the check writer's account to cover a check:

• the check writer's bank will return the check to the bank stamped on the back
• your bank then sends the checks to the check writer's banks to collect funds
• CashFlow replenishes your account the next morning by wiring funds from your original bank of deposit
• the amount of the check comes out of your consolidation account.

The new stamp contains the same information as the original stamp...


...as well as special routing information that makes consolidated returns work

Consolidation works best when your bank turns off their stamping machine. Two stamps on the back of the check may cause it to be routed back to your bank.