• Dramatically reduce courier costs?
• Make less trips to the Bank for deposits?
• Save time by processing your deposits electronically?
• Make funds available sooner?
• Reduce staff shortages created by deposit trips?
  

If you answered 'Yes' to any of these questions, then
E-Deposit could be right for you!

• Capture the images and transaction information of checks accepted for payment.
• Deliver this information electronically to the Bank in a format where the checks can be processed as if the items had been physically received by the Bank.
• Dramatically reduce courier costs.
• Create reports on items that have been deposited.
• Remotely administer deposits at branch locations.

• Sioux City - Steve Boden - (712) 293-2265
• Storm Lake - Dan Jones - (712) 732-2190
• Cherokee - Chuck Wulfsen - (712) 225-2546

• 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?
  • Because of new banking regulations, Central Bank can process checks with the Federal Reserve by just submitting the electronically scanned images. After scanning, the physical checks should be stored in a secure area and destroyed by shedding or incineration within sixty (60) days of processing. 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 30 days prior to disposal.
• 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 (1024-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?
  • Current Requirements

The E-Deposit website uses a form of dual-authentication called Passmark to make the website more secure. When a customer first signs into their Remote Deposit website they will be presented with a Passmark Enrollment screen. They will be asked to choose a Passmark Security Image, Security Phrase and Challenge Questions.

The Security Image and Security Phrase are tools that can be used by customers to verify they are at the correct website and will be displayed each time a user attempts to sign-in. The Security Phrase must be typed in by the user during this step and can contain 6-30 characters. No symbols or special characters can be used.

The answers to all three Challenge Questions must be filled in without using symbols or special characters. The questions can be chosen from each of the drop-down menus.

To change any of these features, the user will need to sign into their account and click on Security -> Change Passmark. They will then have three choices: Change Image, Change Phrase and Change Question.

• When setting up a scanner for the first time on a system, the customer must login to their Remote Deposit account without the scanner plugged in, click on the account to scan checks for, and then click Scan. (Note: Please hold the "CTRL" key on your keyboard during the setup process to allow installation scripts to run).With the scanner unplugged from the computer, complete Step 1 by selecting USB to USB from the drop-down menu. Step 2, click on Install Components if they are not currently installed. Step 3, plug in the scanner to a USB port on the computer and click on Initialize Scanner to begin scanning checks.
• Once a customer has tried to login three times unsuccessfully, they will be locked out of their Remote Deposit account, and will need to contact the Bank to have their login attempts and/or password reset.
• If a customer using Passmark (dual authentication) incorrectly answers the Challenge Questions five times, their account will be locked out and they will need to contact the Bank to be reset.
• Pop-up-blockers can interfere with viewing certain pages. Most pop-up-blockers are temporarily disabled by holding down the "CTRL" key on the keyboard while clicking on a link. Alternatively, a customer can allow all pop-ups from their website.
• Spyware, Adware, Malware and other malicious software can cause many problems in both accessing the Remote Deposit website and protecting customers security. Having up-to-date Anti-virus and Anti-spyware software can greatly alleviate these problems.
• Customers are required to change their passwords every three months. If a password is not changed before the password expires, the account will be locked out. Customers will need to contact the Bank to correct this issue.