Remote Deposit Capture Suite

Our First Touch iCapture product is an easy-to-use RDC solution for banks and their clients. Checks are scanned from the bank customer’s location and transmitted over a secure line for immediate processing at the bank, eliminating the physical transportation of checks and allowing quicker access to funds.

Software Earnings provides banks with a complete line of remote deposit capture solutions. Solutions include GUI interfaces for both the customer and bank along with multiple layers of administration controls, balancing details, and scanning options. Remote deposit capture products include: Merchant, Corporate, Correspondent, Cash Letter Exchange, and Remittance. Software Earnings’ solutions include GUI interfaces for both the customer and bank along with multiple layers of administration controls, balancing details, and scanning options.

*All Remote Deposit Capture Suite products are offered together or ala carte

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Merchant Capture

With Merchant Capture, banks have an opportunity to attract new customers and increase overall deposits, breaking through the traditional limitations imposed by geographical location and physical branch facilities. Merchant Capture is a simple-to-use remote deposit solution for banks and their merchant clients. Checks are scanned at the merchant’s business and transmitted over a secure line for processing at your bank and allowing quicker access to funds.

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Remote Correspondent Capture

Remote Correspondence Capture allows traditional paper cash letters to be scanned and electronically transmitted between exchange partners for immediate processing. Remote Correspondent Capture is a simple to use remote capture solution for banks and their correspondents. Traditional paper cash letters are scanned at the correspondent bank’s location and transmitted over a secure line for immediate processing at the bank’s operations center. This eliminates the physical transportation of the checks and allows expanded processing windows. Banks will reduce courier expenses and processing risks and gain enhanced timeliness and efficiency in their payments processing operations.

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Remote Remittance Capture

Remote Remittance Capture allows users to scan coupons and corresponding checks to capture codeline and deposit data. Product includes output files for accounting programs and RDC transmittal. Remote Remittance Capture enhances remote deposit capture with remittance organization and digitized coupon recording. The scanned coupon allows or better accounting management.Remote Remittance Capture solution links coupons to corresponding checks and stores receipts in an archive of customer records. Customers place coupons and corresponding checks into a check scanner which will capture code line information from both the checks and the coupons. It will optically and digitally place that information into appropriate data remit fields when scanning is complete.

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Back Counter Branch Capture

Back Counter Capture Branch Capture is a simple to use remote capture solution for banks and their branches.Branch personnel scan checks, capturing image and MICR data for transmission to the central check center for processing. Our solution will significantly improve overall operational efficiency while reducing transportation costs and risks.The remote deposit capture platform is expandable, allowing banks to exchange cash letters with exchange partners; receive remote deposits from corporations or merchants, and cash letters from correspondent banks; and input from lockbox/remittance documents.

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FFIEC RDC Reporting

FFIEC Remote Deposit Capture (RDC) Reporting is uniquely engineered to provide an effective monitoring and measurement solution for a bank’s remote deposit capture accounts. Information collected from RDC files can be used to set operational benchmarks and standards, as well as to develop reports for monitoring results. Effective management oversight involves regularly reviewing the reports and periodically conducting reviews and operational risk assessments. FFIEC RDC Reporting ingests RDC files, processes the data with set parameters for compliance reporting, and generates reports. This solution is designed to be a flexible, non-intrusive system that will meet a bank’s ever-changing remote deposit capture environment.

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Streamline Deposit of Checks

Remote Deposit Capture is a simple-to-use electronic deposit solution for banks to provide to their merchant and corporate customers. Checks are scanned at the customer’s business(es) and transmitted securely over the Internet for immediate processing at the bank. RDC will eliminating the physical transportation of their checks and also allow quicker access to their funds. Our solution allows installation via the Internet to simplify software distribution and maintenance by banks for their RDC customers. In addition, data is stored at the central site rather than at the client’s location, allowing for distributed scanning, balancing, and auditing.

Grow Customer and Deposit Base

Merchants are looking for banking relationships that offer convenience. They want to do business with a bank that can make their banking experiences simple and efficient. Banks have an opportunity to attract new customers and increase overall deposits by breaking through the traditional limitations imposed by physical branch facilities.

Simple and Efficient

Remote Deposit Capture software installs on Windows® operating system PCs and integrates with low-volume scanners. Implementation will have no negative impact on existing operations and 24/7 customer support. We provide additional online training seminars for bank personal. Software Earnings’ RDC solution include GUI interfaces for both the customer and bank along with multiple layers of administration controls, balancing details, and scanning options.

Remote Deposit Capture Suite Highlights

  • Eliminates the costs, time, and delays associated with transporting
    paper deposits
  • Improves overall customer and bank efficiency
  • Allows more favorable clearing deadlines for the customers
  • Retains the images, making research adjustments easier for the customer
  • Banks receive electronic, balanced files for downstream processing
Features

  • Production Proven
    • In production since 2003.
    • Currently processing over a billion dollars a day in transactions.
    • Over 5,000 capture locations, implemented at both regional and community banks.
    •  Scalable.
  • Easy-to-Use
    • Takes less than a day to learn the functionality.
    • Windows® operating system application that with a step-by-step process.
    • The merchant needs a PC and an internet connection.
    • System uses a low-volume scanner and takes only a minimum of desktop space.
    • Both long and short style checks may be used, deposit slips are optional.
  • Deposit Process
    • Client can send deposits anytime based on the receiving bank’s work flows.
    • Deposits can be made to your bank, regardless of your merchant or branch locations.
    • System can be used at multiple merchant locations and provides breakout and
      summary reports across the merchant’s enterprise.
    • Allows all of a merchant’s locations to scan deposits directly into a central database
      for transmission to the bank.
    • Security can be administered from a central location.
  • Security
    • Provides duplicate detection at both item level and file level.
    • Provides user prompts and notifications to help ensure corrective action is taken.
    • Notified of the deposit status is immediately after the bank receives the deposit.
    • The bank control center monitor displays any deposit errors in red,prompting action.
      by the bank; the merchant will be notified of the problem resolution.
  • Additional Features
    • Provides the option for a client to create image and data output files containing.
      deposit information for use with 3rd party accounting software.
    • Supports both RC and BOC processing for those items that qualify to be converted.
    • Designed for both smart and thin client environments or both versions.
    • Certified X9. files for input or output.