The average commercial check costs $7.78 to issue.
Factor in reissues, stop-pays, escheatment, and uncashed funds and between 10% and 60% of settlement checks are never deposited at all.
Model your distribution:
Your program
Adjust the sliders to match your distribution
Total distribution fund:
Gross amount to be disbursed
$10,000,000
$500K
$10M
$50M
$200M
Number of beneficiaries:
Recipients on the distribution list
116,500
500
12K
50K
250K
Current uncashed check rate:
% of mailed checks never deposited
25%
5%
25%
45%
65%
Per check processing cost:
Print, postage, reconciliation, stop-pay
$7.75
$3
$7
$14
$22
Reissue rate:
Checks reprinted due to returned mail, wrong address, etc.
14%
0%
14%
25%
40%
Your fiduciary exposure
$75.20M
That's 69,440 beneficiaries who never saw their money an average of $1,083 each.
Check program total cost
$3,890,190
Issuance + reissue + admin
Digital recoverable
$34.08M
At 30% take-up lift
Checks issued
12,000
Checks reissued
1,680
Uncashed checks
3,360
Avg. payment size
$833
Escheatment exposure (3 yr)
$2.80M
Total fiduciary liability
$2.92M
Your program vs. Talli
Check program
Your current setup
$120,420
$120,420
Talli
ACH, virtual debit, digital wallets
$10,400
$10,400
Net savings
Over this single distribution
$110,020
$110,020
what it means?
Your numbers, explained
You're mailing 12,000 checkson a $10,000,000 fund. Your settings say 28% will never be cashed that's 3,360 checks and roughly $2.80M in claimant money sitting in your account at year end.
Between issuance, reissues, and reconciliation, you'll spend $120,420 processing the program. Digital disbursement compresses that to under $10,400 and typically recovers 30%+ of the uncashed balance.
*Assumptions: Industry benchmarks from Bank of America commercial-check data ($7.78 avg. per check), AFP treasury surveys, and Talli's own cohort data. Uncashed-rate defaults reflect class-action settlement norms published in Rule 23(e) filings. Your mileage may vary.
WHAT TALLI CHANGES
How Talli closes the gap
Four things we do differently to get claimants paid
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Multi-channel outreach.
A check in the mail is one shot. We follow up by email, SMS, and scheduled reminders until the claimant responds — or until you know they won't.
Flexible payout rails.
ACH, virtual prepaid debit, PayPal, Venmo. Claimants choose what they actually use, which is why take-up rates go up.
Segregated bank accounts.
Dedicated accounts preserve 3rd party ownership and simplify court reporting.
Audit trail by default.
KYC, OFAC, W-9/1099 — baked in, not bolted on. Full visibility of distribution performance in real time.
Ready to speed up your payouts? Request a demo of Talli
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