Remote Deposit Capture Version October 2016 User Guide

Transcription

1 Remote Deposit Capture Version October 2016 User Guide

2 Table of Contents Remote Deposit Capture.3 Introduction 3 Client Workstation.4 Process a Deposit...5 Logon to Remote Deposit Capture.5 Create New Deposit... 7 View Deposit... 9 Fixing Errors Duplicate Checks Delete a Deposit Submit Deposit Deposit Status Bank Reports Support Contact Information..33 Remote Deposit Capture User Guide Page 2

3 Remote Deposit Capture Remote Deposit Capture provides all the convenience and flexibility required to make it more convenient to do business with your organization and fosters valuable commercial banking relationships. By offering the option of depositing checks without leaving your place of business, you have the advantage of later posting deadlines and improving cash flow. Electronic Capture & Deposit Remote Deposit Capture enables merchants to electronically capture and deposit checks. You simply place the check in the scanner, which automatically captures images of the front and back and also can endorse the check. The system reads the check amount programmatically using CAR technology. The system uses image quality analysis at the point of presentment, totals the number and calculates the value of all imaged checks. Using a secure Internet connection, you send the entire deposit of checks to your institution electronically. Once the bank receives the check file, all transactions flow through the distributed capture engine and are posted to your account at the end of business day that it was sent. Save Time & Money Since paper checks are no longer required for posting, you are positioned for truncation of statements and elimination of paper handling. The time and money spent processing physical checks is freed up for other banking functions, and your institution s deposit base can grow by consolidating multiple business locations in a single banking relationship. Remote Deposit Capture builds loyalty by offering extended deposit processing windows, faster availability of funds, and the cost savings and convenience of electronic deposits. Remote Deposit Capture User Guide Page 3

4 Client Workstation Requirements Minimum Hardware Recommendations: Intel Pentium IV, 3.2GHz Processor 60 GB hard drive (disk space) 2 GB RAM or higher (memory) USB Ports: 2.0 Port Required Internet Connection, 512 kb up/down minimum recommended speed Operating System (OS) Windows XP SP3 and higher, 32 or 64 bit Vista, or Windows 7 PC Monitor: 1024 X 768 Resolution PC Microsoft English/US Style Keyboard and Mouse Printer Access (optional for report printing) User must have Administrative Rights to the local drive Software Requirements: Microsoft.Net Framework Version 2.0 Service Pack 2 or higher Adobe Acrobat Reader 6.0 or higher to view reports Appropriate Ranger Device Driver All Java updates installed Port 443 unlocked to allow https connections All Windows updates marked Critical installed Ranger driver installation requires ActiveX controls to be enabled on the workstation Operating System and Browser Support for Capture Workstation and Deposit Review Operating System Windows XP SP2 Windows Vista (32-bit or 64-bit) Windows 7 (32-bit or 64-bit) Browser IE7, IE8 IE7, IE8, IE9 IE8, IE9 Optional Hardware Suggestion: Jogger (a jogger will limit jams and double document feeds) Purchase of a single-bin jogger is recommended The jogger can be purchased from any manufacturer/vendor Please ensure that you have ample amount of bandwidth to support this process. It is recommended that you review your level of usage today on your system and determine if something more substantial is necessary to prevent the system from hanging up or slowing down during the scanning process. Large deposits can have an effect on the overall system will being scanned. Remote Deposit Capture User Guide Page 4

5 We recommend you have your workstation and scanner plugged into a UPS device which would provide a battery back up on your system should the power fail; it also serves as a surge protector. Your scanner should be connected directly to computer via USB port. Process a Deposit Log onto Merchant Source Capture To log onto Remote Deposit Capture. Log into Treasury Solution: Click on the Remote Deposit Capture hyperlink on the left-hand side of the screen Enter User Name and Password Click Login The Remote Deposit Capture home screen will be displayed. To ensure connectivity with the scanner, verify that the Silver Bullet screen is displayed after login. Note: The Silver Bullet screen may not display consistently for Windows 7 users. Password Rules: Expiration = 45 days by default, but can be varied by client Lockout after 3 failed attempts Minimum length not less than 8 At least 1 Lower case letter At least 1 Upper case letter At least 1 Numeric digit At least 1 of the following special # _ * ^ $ Password security defaults have been set to prevent users from re-using the last ten passwords. Remote Deposit Capture User Guide Page 5

6 Definitions Create Deposit View Deposits View Items Reports Home Help Logout Click to begin the scanning process. Click to view deposits. Click to view items. Allows the user to view additional reports. Displays the Remote Deposit Capture Home Screen. Displays the Web Capture Help window. Click to log out of Merchant Capture. Remote Deposit Capture User Guide Page 6

7 Create New Deposit To create a new deposit. Click Create Deposit The Create Deposit screen will be displayed. Enter Deposit Amount (no decimals) Click Select Account for a list of available accounts Enter Location ID (optional) Click Continue Definitions Deposit Amount Select Account Location ID Enter the amount of the total deposit. Zeroes automatically populate as cents. If a user enters an amount of 5000, this populates as Select the account for which this deposit is being created. Enter the Location ID for the deposit if there is one. This number will be displayed in the serial/aux field on the MICR line of the credit. Remote Deposit Capture User Guide Page 7

8 Preparing Checks for Scanning Check the items for staples, paper-clips, calculator tape, etc. and remove these items. These items will cause the scanner to jam. Ensure all documents are facing in the same direction and not upside down. Jog the documents straight so all documents are stacked together. This will reduce piggy-backs and jams. Note: Ensure the Detect Double-Feed checkbox is selected. If unchecked, the scanning process will be more susceptible to piggybacks. Click Scan to begin scanning checks As the checks are scanning, the information will be displayed on the page. If there are no errors when the scanning is complete, the Submit Deposit button will be available on the bottom of the page. (If errors, see page 10) Click the Submit Deposit button Remote Deposit Capture User Guide Page 8

9 A Submit Deposit dialog box will be displayed to enter and save information about the particular deposit. Deposit must be in balance with Difference being $0.00 Enter information in the Add Memo field (optional) Click the Submit Deposit button View Deposit The deposit information, including Deposit Total and Status, is displayed on the Deposit Status page. To view the deposit details: Click the deposit detail icon under the Actions column Remote Deposit Capture User Guide Page 9

10 The Deposit Details dialog box is displayed with the deposit details. Click the Close button to return to the Deposit Status page. Fixing Errors Corrections can be made once scanning is complete. Exceptions occur when data is missing or was entered incorrectly. If there are errors with the deposit, the Submit Deposit button is not available. Errors are required to be fixed prior to submitting the deposit. An icon in the Error column indicates which item needs corrections. The status bar on the bottom of the screen also indicates the number of errors in the deposit. Click the Fix Errors button Remote Deposit Capture User Guide Page 10

11 The first item requiring correction will be displayed. The reason for the error is displayed at the top of the page in the error status bar and the number of errors associated with that item is displayed at the bottom of the page in the status bar. Enter the corrected information in the fields below the image Press Enter on keyboard Remote Deposit Capture User Guide Page 11

12 Once all errors are fixed, the Submit Deposit button will be available and the deposit is now ready to submit. If the Image Quality is not acceptable: Locate the physical item Click the Rescan button Remote Deposit Capture User Guide Page 12

13 A dialog box will be displayed. Reload the physical item into the scanner Click the Yes button to continue the rescan process When rescanning an item, the image is compared to that of the original item. Images are displayed side by side to compare and ensure the correct item was rescanned. A Rescan Dialog Box will be displayed to confirm that item with the image quality issue should be replaced with the rescanned item. A Rescan dialog box will be displayed. Click the Yes button to accept the rescanned image and delete the original item Click the No button to rescan again Remote Deposit Capture User Guide Page 13

14 Duplicate Checks The system will automatically identify duplicate checks that it detects within the current deposit or from any previously scanned deposit within 180 days. Images of the duplicates are available for 45 days. If the image is available, both checks will be displayed side by side and a Duplicate Items message will display at the top of the screen in red. Note: Duplicate items cannot be submitted for deposit through Remote Deposit Capture. Click Delete Note: The current items will be displayed on the left. Items found as duplicates will be displayed on the right. Click the arrow buttons to review multiple items. Remote Deposit Capture User Guide Page 14

15 A Confirmation dialog box will be displayed when the Delete button is clicked. Click the Yes button to delete the item Delete a Deposit If for any reason the deposit needs to be deleted, the entire deposit can be removed. To remove a deposit: Click the Delete Deposit button Remote Deposit Capture User Guide Page 15

16 A Confirmation dialog box will be displayed. Click the OK button to delete the deposit Note: Items scanned will be permanently deleted when a deposit is removed. Submit Deposit The merchant can adjust the deposit total, but the Deposit must be in balance before being submitted. The Deposit is ready to be submitted when the deposit is in balance, duplicate items have been addressed, and all errors have been corrected. If a deposit is submitted without correcting an exception issue, an error dialog box will be displayed. If the deposit does not balance: Click the Deposit Total text box to update the balance of the deposit If the Deposit Total is correct, click the Update button to accept change Remote Deposit Capture User Guide Page 16

17 Definitions Deposit Total Check Total Difference Item Count Items in Deposit Displays what the merchant added and typed into the field. The sum of all scanned deposit items. Displays the difference between the deposit total and the checks total. Number of items scanned in deposit. Total number of items/checks in the deposit (should match Item Count). Difference Should always be 0. Click the Submit Deposit button when the deposit is free of errors Remote Deposit Capture User Guide Page 17

18 Deposit Status Two tabs are available to view the status of a deposit. The All Deposits tab displays the status of all deposits regardless of the status. The Pending Items tab allows a user to view the status of deposits that are pending and have not been submitted. Click View Deposit icon to view a specific deposit All Deposits Remote Deposit Capture User Guide Page 18

19 Pending Items Deposit Status Descriptions Suspended Capture Complete Ready for Approval Pending Review Pending Approval Submitted Delivered A deposit/batch is in Suspended status when a User has not selected Capture Complete and has not resolved all exceptions. This status is functionally the same as Pending, but indicates that no one is currently working on the deposit. Customer has control A deposit/batch is in Capture Complete status when the User selects the Capture Complete option. This status only means that the User has finished scanning checks. Additional steps are needed to finalize the deposit process. Customer has control A deposit/batch is in Ready for Approval status when the exceptions have been corrected and the deposit is in balance. The deposit is ready to be submitted by the user. Customer has control A deposit/batch is in Pending Review status when the merchant has submitted to the bank for approval. Financial Institution has control Note: For Deposit Review clients only. A deposit/batch is in Pending Approval status when the merchant has submitted and is ready for the Financial Institution to approve in Web Capture. Financial Institution has control A deposit/batch is in Submitted status when the deposit has been completed. Vendor has control A deposit/batch is in Delivered status after it has been extracted for downstream processing by the vendor. Vendor has control Remote Deposit Capture User Guide Page 19

20 Reports To view or print a Deposit Detail report with images from View Deposits After submitting your deposit click on the View Deposit icon to the right of the deposit you want to print on the home page To view or print a Deposit Detail report with images from View Deposits Click on Export As Remote Deposit Capture User Guide Page 20

21 To view or print a Deposit Detail report with images from View Deposits Click on PDF with images The PDF document will open in a separate window It can then be printed and/or saved locally Once printed/saved you can close the report window by clicking on the X in the upper right corner of the report window or by clicking on the Home button Remote Deposit Capture User Guide Page 21

22 To view or print a Deposit Detail report without images from View Deposits Click on PDF The PDF document will open in a separate window It can then be printed and/or saved locally Once printed/saved you can close the report window by clicking on the X in the upper right corner of the window or by clicking the Home button Remote Deposit Capture User Guide Page 22

23 To view or print a list of merchant deposits from the reports tab: Click on the Reports tab Remote Deposit Capture User Guide Page 23

24 Click on Deposit Query Then click on Export As Click on Deposit Query Then click on PDF The PDF document will open in a separate window It can then be printed and/or saved locally Once printed/saved you can close the report window by clicking on the X in the upper right corner of the window or by clicking the Home button Remote Deposit Capture User Guide Page 24

25 To view a report showing all deposit details With Deposit Query still checked Click on Deposit Detail Report Remote Deposit Capture User Guide Page 25

26 To view a report showing all deposit details The PDF document will open in a separate window There will be a page for each deposit It can then be printed and/or saved locally Once printed/saved you can close the report window by clicking on the X in the upper right corner of the window or by clicking the Home button To export in a CSV (Excel) format for import into an external application With Deposit Query still marked Click on CSV A spreadsheet will open. You can then format the columns as needed and print/save it locally. Remote Deposit Capture User Guide Page 26

27 To export in a CSV (Excel) format for import into an external application A dialog box will open Click Open The spreadsheet will open. You can then format the columns as needed and print/save it locally. Remote Deposit Capture User Guide Page 27

28 To export in a CSV (Excel) format for import into an external application The spreadsheet will open. You can then format the columns as needed and print/save it locally. To search for specific deposits Click on the arrow down on the search bar You can then format the columns as needed and print/save it locally. Remote Deposit Capture User Guide Page 28

29 To search for specific deposits You may use the available fields for searching You can click on Advanced Search for more search options To print an item detail report with images Click on Item Query Then click on the arrow down on the search bar Remote Deposit Capture User Guide Page 29

30 To print an item detail report with images Click on Advanced Search To print an item detail report with images Key in the Deposit ID for the deposit you want to print Remote Deposit Capture User Guide Page 30

31 To print an item detail report with images Items belonging to that batch ID will be the only items displayed Click on Export As and select PDF with Images To print an item detail report with images The PDF document will open in a separate window It can then be printed and/or saved locally Once printed/saved you can close the report window by clicking on the X in the upper right corner of the report window or by clicking the Home button Remote Deposit Capture User Guide Page 31

32 To print an item detail report (without images) Items belonging to that batch ID will be the only items displayed Click on Export As and select PDF To print an item detail report (without images) The PDF document will open in a separate window It can then be printed and/or saved locally Once printed/saved you can close the report window by clicking on the X in the upper right corner of the report window or by clicking the Home button Remote Deposit Capture User Guide Page 32

33 To export item details in CSV format Click on Export As and select CSV To export in a CSV (Excel) format for import into an external application The spreadsheet will open. You can then format the columns as needed and print/save it locally. Treasury Services Support Team If you need additional information about the RDC system, please call us during normal business hours (7:00 a.m. 6:00 p.m.ct Monday-Friday). We appreciate your business and the opportunity to continue to serve you. Your Treasury Services Support Team Remote Deposit Capture User Guide Page 33