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Requirements1 |
| To
use the E-Deposit service, all a customer needs is a personal computer
(with Windows 2000 or XP) and an Internet connection (hi-speed preferred).
Central Bank will provide the scanner(s). |
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| Q & A |
- Will I need to install any software to use
the E-Deposit service?
- Because the E-Deposit application is entirely
web-based, customer do not need to install any software other
than the software driver for the scanner. As updates are applied
to the application, they are immediately available to customers
without installing any software.
- Is there
anything I need to do with the original checks after I have scanned
them?
- It is
up to the customer on how they want to handle the original
copies of the scanned checks. Because of new banking regulations,
Central Bank can process checks with the Federal Reserve by
just submitting the images. Under certain circumstances, Central
Bank may request the original check if the scanned copy is
unreadable or there is a dispute over the check's authenticity.
The Bank recommends the original copies of the checks should
be held for a minimum of 60 days prior to disposal. The checks
should not be disposed of without shredding or other similar
method due to the nonpublic information contained on the checks.
- What
is CAR/LAR?
- CAR/LAR
(Courtesy Amount Recognition/Legal Amount Recognition) provides
an automated method to capture the dollar amount of the check
and dramatically improve processing rates and accuracy. For
example, when a check is normally scanned without CAR/LAR
the only information read by the scanner is the account number,
check number, and routing number. With CAR/LAR approximately
70-90% of the hand written amounts on the checks are also
scanned. The remaining "unread" items are sent to
the customer's computer screen to correct. This feature became
available in September of 2007 and is offered free of charge
to all E-Deposit customers.
- How secure
is E-Deposit when submitting the digital checks to the Bank?
- The
E-Deposit service is hosted on a secure (128-bit encrypted)
website; and the site uses a dual-authentication process during
login called Passmark. Because all information is transmitted
to the Bank through the secure website, customers using the
E-Deposit service can rest assured their information is protected.
- What are
the hardware, software and Internet requirements for E-Deposit?
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| Scanner Information |
- RDM EC6000i
- Dual
pass scanner (no hopper) - 1 to 25 checks per day.
- RDM EC7000i
- Single
pass scanner (no hopper) - 25 to 100 checks per day.
- Digital
Check TS230
- Single
pass, 50 check hopper scanner - 100 or more checks per day
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Thank you for choosing
Central Bank!
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1Central
Bank reserves the right to perform a credit check prior to activation;
E-Deposit may not be available to all customers who apply for the
service.
2Central Bank reserves the right to change the pricing,
availability and terms of service at anytime.
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