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| Q. | How does the Remote Deposit Service work? |
| Q. | What are the minimum system requirements? |
| Q. | What is the latest a deposit can be made and still qualify for same day processing? |
| Q. | How long does it take to get setup and trained on the Remote Deposit Service? |
| Q. | How long is deposit history available? |
| Q. | What do I do with the original check that is scanned into the system? |
| Q. | What types of checks can be processed through the Remote Deposit Service? |
| Q. | How are checks endorsed through the Remote Deposit Service? |
| Q. | Is the information entered into or accessed through the Remote Deposit Service secure? |
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| Q. | How does the Remote Deposit Service work? |
| A. | The Remote Deposit Service is a web-based system that uses imaged-based technology to submit checks for deposit electronically using a PC and a scanning device. Each check scanned for deposit generates an electronic image (front and back) that is transmitted directly to our processing site along with the information on the check MICR line. Once the item is received at our processing site, it will become a Substitute Check/Image Replacement document or remain an electronic image and sent to the Federal Reserve or a correspondent check clearing network for collection |
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| Q. | What are the minimum system requirements? |
| A. | Most PCs configured after 2000, will conform to the minimum requirements. The minimum workstation requirements are as follows: - Workstation: 933MHZ, 256MB RAM, 8MB-Video, USB 2.0 port, Keyboard, Mouse, 17” color monitor.
- Operating System: Windows 2000 or XP – All Scanners
- Software: Adobe Acrobat Reader 5.0 or higher (Adobe free), Java plug in-Version 1.4.2 and higher (Sun Microsystems free)
- Browsers: MS Internet Explorer version 5.5/6.0 or higher, Firefox, - Latest version, Mozilla – Latest version, Netscape – latest version, AOL – Latest version.
- Internet Connectivity: Any broadband or DSL type of Internet Access. Minimum speed 128K, dial up access can be used but system performance is not guaranteed. Dial up should only be used for back up.
- Certified Scanner: Panini MyVisionX – 30DPM with Large Feeder with ink jets. A single item check scanner will be available in December 2006.
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| Q. | What is the latest a deposit can be made and still qualify for same day processing? |
| A. | You can make a deposit up to 6:00 p.m. Eastern Time to still qualify for same day processing. The Remote Deposit Service is available for your use seven days a week 24 hours a day |
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| Q. | How long does it take to get setup and trained on the Remote Deposit Service? |
| A. | It takes approximately 15 business days. |
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| Q. | How long is deposit history available? |
| A. | You will be able to view deposit history including the image of the deposited checks for a period of two years. |
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| Q. | What do I do with the original check that is scanned into the system? |
| A. | It is recommended that original checks be stored for at least 65 days in a secured environment before destroying the checks. |
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| Q. | What types of checks can be processed through the Remote Deposit Service? |
| A. | All U.S. dollar checks drawn on banks with valid U.S. Routing and Transit numbers are accepted, including personal checks, business checks, cashier or official cheques and postal money orders. Foreign checks drawn on banks in other countries can not be processed through the Remote Deposit Service. |
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| Q. | How are checks endorsed through the Remote Deposit Service? |
| A. | The check scanner automatically endorses each check as it is being imaged through the check scanner. The endorsement provides the following information "For Deposit Only RDS, followed by the deposit account number and the date and time". |
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| Q. | Is the information entered into or accessed through the Remote Deposit Service secure? |
| A. | All data and information entered into or accessed through the Remote Deposit Service is encrypted with SSL 128 bit encryption. This includes the login page where users enter their user id and password information. |
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