A method of re-depositing checks from accounts listed as having insufficient funds repeatedly until the time when funds are made available. A bad check is held by the depositor and the bank account of the account holder is tracked to detect when funds are available. When the amount of funds necessary to clear the check becomes available, the amount of the check is removed from the account. This method is used to protect the interests of both consumers and retailers. Consumers will be protected from incurring insufficient funds changes and protects the retailers by allowing them to collect the total amount of funds for a purchase when the consumer already has the merchandise in their possession.