Hmmm. I'm not sure what you mean by "automatic redeposit arrangement." Do you mean where the bank has an arrangement with the customer to redeposit items that are returned? We don't do that, but in certain circumstances, the bank may redeposit. I was concerned with the bank's practice of providing a customer with a notice of return and redeposit but not actually having the item hit the account prior to resending. I hope that makes sense.