In error my bank returned a check to Belks Department Store. I was told by a customer service rep at Belks that my check would be redeposited and no fee would be accessed. The check was resubmitted through Certegy Payment Recovery Service on 11/06/09, and on 11/13/09 an overdraft fee of 30.00 was deducted. I have tried to call Certegy but the hold times are long and they will not return your call as stated in the intro message. read full review »