In our ongoing effort to improve efficiency and to provide you with the best servicing of your account, Prestige may convert your payments by check (whether submitted by you as a paper check, an electronic check through the Internet or as a telephone-initiated payment) to an electronic funds transfer (EFT) through the banking system's automated clearing house. This means that your account may be charged the same day or the day after your check is received by Prestige. Although the transaction will appear on your bank statement record, your check will not be returned to your bank. Payments returned unpaid by your financial institution will be assessed a fee according to the consumer regulations of the state in which you purchased your vehicle. Please be aware that your payment by check constitutes acceptance of these terms. We value your business and appreciate your having selected Prestige for your automobile financing.