Remote Deposit Service Online

Transcription

1 Remote Deposit Service Online Bank of America Direct Quick Start Guide NSB

2 Contents Introduction... 2 Getting started... 2 Login to Remote Deposit Service Online... 2 To login to Remote Deposit Service Online:... 2 Installing the scanner driver... 3 Before performing the installation:... 3 Download the Scanner Driver... 4 Making a deposit... 7 Transmitting a Deposit Running Reports Support Help Menu Support Technical Support Bank of America Direct Technical Support

3 Introduction Remote Deposit Service Online is a Web-based application that can help enable companies to make electronic deposits from their desktops using a bank approved scanner. Remote Deposit Service Online users can scan and capture images and MICR data of U.S. dollar items drawn on U.S. banks and transmit that data to Bank of America using an encrypted Internet connection This guide will provide you with the tools to start using Remote Deposit Service Online; and will focus on the following topics Login to Bank of America Direct Login to Remote Deposit Service Online Install/deleting scanner drivers Create a simple deposit Balance a deposit Transmit a deposit Reports Item Research Support Training Remote Deposit Service Online is available for scanning items and transmitting deposits 24 hours a day, excluding normally scheduled weekly system maintenance. Getting started Before accessing Remote Deposit Service Online, each user must install a digital certificate for Bank of America Direct and verify bank approved scanner components function properly. Before accessing Remote Deposit Service Online, each user must install a digital certificate for Bank of America Direct and verify bank approved scanner components function properly. Login to Remote Deposit Service Online To login to Remote Deposit Service Online: 1. Login to Bank of America Direct by typing: 2. Enter the following information: Bank of America Company ID Bank of America Direct User ID Bank of America Direct Password 3. Click Receipts. 2

4 4. Click Remote Deposit Service Online. Welcome page displays; Note: If the Remote Deposit Service Online Welcome page does not display, the user has not been properly entitled to the application. Contact your company Customer Administrator for Remote Deposit Service Online privileges. Installing the scanner driver Before performing the installation: Disconnect the scanner and USB cable from the computer. Ensure you are logged into the workstation and that you have administrator privileges. Close all open applications, including any applications that use the check scanner. 3

5 Download the Scanner Driver 1. Login to Bank of America Direct by typing: 2. Click on Remote Deposit Service Online. Result: The Remote Deposit Service Online Welcome Page displays. 3. Click Create New Deposit. 4. Result: The Driver Download page displays. 5. Without taking any action, review the next steps. 6. Once you ve reviewed all steps, click the link to the appropriate driver for the scanner that will be used with Remote Deposit Service Online. Example: The TS230 scanner driver is shown as an example. 7. Click Save. 4

6 8. Choose a location to save the driver install file and click Save. 9. When the file download completes, click Run. This will launch the driver install application. Result: A security warning message will appear. 10. Select Run to launch the software application. Result: The Install Wizard launches. 11. Click Next to begin the Wizard. 5

7 Result: The user is prompted to unplug the scanner from the PC. 12. Make sure the scanner is unplugged and disconnected from the computer before proceeding and click OK. Result: The Ready to Install the Program dialog box displays. 13. Click Install. Result: A series of status updates will appear. An example is shown here. 14. When the installation is complete, click Finish to complete the scanner driver installation process. 6

8 Result: The Install Shield Wizard Complete page displays. 15. Plug the scanner into your computer, click return. Making a deposit 1. Gather all checks, money orders, and if applicable, remittance coupons to be scanned. 2. Compute the expected total amount of your deposit, this amount is the declared amount. 3. Perform a quality check of all deposit items. Ensure that the bottom and leading edges of the deposit slip (if applicable) and deposit items are aligned and are facing the same direction. Remove all staples, paper clips etc. and straighten any bent corners before loading into the scanner. 4. If a paper deposit slip is used, place it as the first item in the deposit. Subsequent items are placed in the following order, check, remittance (if applicable) until the entire deposit is assembled 5. Login to Remote Deposit Service Online. 6. On the Welcome page, click the Create New Deposit link. Note: Page display will vary and is dependent on what functionality is assigned to your company, not all options will be enabled 7

9 7. Select the appropriate account group from the Account group drop down, if more than one account group exists for your company 8. Select the appropriate account number if more than one account number exists within the account group. If there are fewer than 10 account numbers, select from a drop down. If there are more than 10 account numbers, you can search for the account number by typing in the first 3 numbers of the account number. For security purposes, account numbers are masked within this guide. 9. The Routing Transit number is automatically populated. 10. Select Simple or Remittance from the Deposits Allowed choices. This button may automatically be populated as Simple or Remittance dependent on your company set up. If the majority of the company s deposits were determined to be Simple Deposit (or Remittance), the default will show it as pre-populated and the user will not have to select it. 11. Select Type of Deposit. Image: All negotiable items will be cleared through image exchange as either Image or IRD (Image replacement document). Items are classified as images if the receiving bank is able to receive an image and process it without printing a copy of the image (An IRD). An IRD will be processed if the receiving bank is not image receive enabled. ACH-BOC, ACH-ARC: Eligible checks will be cleared through ACH (Automated Clearing House), with the remainder cleared through image exchange. ACH eligible items include consumer checks drawn on a US bank and written for less than $25,000. If you choose ACH and have exceeded your ACH limit as defined by the bank, the item will clear through Image exchange channels. 12. ACH clients only: Choose the assigned ACH Company Name for the account number selected for deposit. 13. If the page shows Optional Fields (1, 2, or 3) after Type, your company may have specific information to add. Input any data your company requires in Optional Field 1, 2 or Enter the Number of items within the deposit (optional). Up to 500 items (included the paper or virtual credit) are allowed per deposit, with no limit to the number of deposits you make in a day. Include the deposit ticket, virtual or paper deposit ticket as 1 item., and each remittance coupon if applicable. If the user elects to input the number of items in the deposit, the items will be counted during capture If the Number of Items entered does not match the number counted by the application, the user will be required to edit the Number of Items to make it equal to the number of items counted by the application prior to submitting the deposit. 8

10 15. Enter the deposit s total value as the Declared Amount. A declared amount is the total amount for the deposit, and is used to compare the expected total to captured total of the items scanned. The Declared Amount can not exceed $99,999, If a decimal is not entered, Remote Deposit Service Online assumes a decimal is present at the end of the entered amount. 16. Place as many items as will comfortably fit into the scanner entry tray. If your set up requires a paper deposit slip, a message displays informing the user that they must scan the deposit slip as the first item in the deposit. Note: The example shown is of how to load a Digital Check scanner model TS Load items on the left side of the scanner, right side up with the front of the item facing left, away from the output slot. You may load up to 50 items at a time with additional items added until you have captured the entire deposit. 17. Slide the item(s) up to the line on the body of the scanner; DO NOT push or insert items past the line. 18. Click Start Capture. While the checks are scanned the scanner prints a horizontal spray line on the back of each check and the application overlays a virtual endorsement on the check image which will be used in clearing the items. The scanner must be equipped with an ink cartridge that will spray or print information on the back of each item. The information sprayed on the item includes the following: a) Sequential number in which the item was scanned b) Deposit number c) Location or Account Group d) Customer number (assigned by Bank of America) Virtual Endorsement Horizontal spray Note: The Bank of First Endorsement information will not be printed on the physical item scanned. However, when the user views the image within the application, Remote Deposit 9

11 Service Online applies the Bank of First Deposit and Virtual Endorsement information onto the image as it was configured in the customer set up process. As items are scanned Remote Deposit Online captures the courtesy amount of each item and the grand total of all items that have been scanned. These amounts are populated on the Deposit Item List page. In most cases the deposit will balance, which means the declared amount equals the current amount, and the Balancing Difference field is 0.00 and displays in green. If the Balancing Difference text displays red, the two amounts are not equal. The error will be displayed with an attention Icon. Note: If any of the errors are amount recognition errors then correct the amounts. Determine if the items loaded do not match what is in the deposit. Determine if there was a possible addition error. If the transaction is still not in balance then adjust the declared amount to reflect the current amount. Changes can be made to the declared amount by entering information in the Declared Amount text box and clicking Save. Transmitting a Deposit Once the deposit is balanced and the Complete button has turned green, click Complete to transmit the deposit. The status of the deposit changes to Received for Operators or Open Balanced for Limited Operators. Running Reports Reports Tab: This option contains standard report files in different formats. Generate reports button: This option contains standard report files in different formats. Report view: This option is a quick solution when a page print is needed. The report view button is available on the Deposit List and Deposit Item list screens. 1. Click on the reports Tab. 2. Choose the criteria for your report; for detail on report contents refer to the user guide. 10

12 3. Choose the report type. 4. Choose the Format. 5. Choose date range type. 6. Deposit Receipt Date - For perfected deposit. 7. Posted Date For deposits that have not been perfected. 8. Choose the start and end date range: Images are available for 45 days within the application; supporting data is available for 90 days. 9. Select Deposit Status (descriptions of each status can be found on page 60 of the user guide). 10. Select whether or not you need images of the items on the report. This feature is available for certain reports. 11. Click Create report. 12. You will be prompted to open or save the report. Choose to either open the report for review/printing or save it. Support Help Menu Support To access the Help menu, click the Help link in the top right corner of the home page. The Help menu changes depending on the page the user is viewing. Within each page, there is topic specific help. Note: The Help Menu is not an interactive support tool (for example, chat is not available). Technical Support Contact the Check21 Help Desk with questions about the following: Remote Deposit Service Online Scanners To order scanner cleaning supplies The Check21 Help Desk is available to take your calls 24 hours a day, seven days a week toll-free (Domestic) or outside of the United States Bank of America Direct Technical Support Contact the Bank of America Direct Technical Care Center (TCC) with questions about the following: Bank of America Direct User IDs 11

13 Bank of America Direct Passwords Remote Deposit Service Online Digital Certificates The Bank of America Direct Technical Care Center is available toll free (domestic) (Mon Sun between 7 a.m. and 9 p.m. Eastern Time) (outside of the United States) (Mon Sun between 7 a.m. 6 p.m. Eastern Time) at DirectTCS@bankofamerica.com If located in Europe, the Middle East, and Africa, please contact Bank of America Direct Customer Support by: at emea.directsupport@bankofamerica.com Telephone at +44 (0) (Mon Sun between 8:00 and 18:00 GMT) If located in Latin America, please contact your Global Treasury Management Product Specialist. If located in Asia, please contact your Technical Specialist. 12