Who would most likely send out this announcement?

Thank you for using St. George Online Commercial Banking. All check processing on your account is manageable from your home computer. Your account updates several times a day, so it stays pretty current. Rejected transactions, such as checks that are turned down for non-sufficient funds, are highlighted in red. The report contains all the information necessary to identify the returns so that you can decide whether to "run" the transaction again or contact the consumer directly to follow-up.