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Requirements
1
 Personal account
2
 Less than $2,500
3
 Returned for insufficient/uncollected funds (return codes R01/R09)
4
 Previously presented (a) no more than twice in paper form, or (b) no more than
 once in paper form and no more than once as a represented check entry
5
 Written 180 days or less before re-presentment.
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