Remote Deposit Desktop Guide

TABLE OF CONTENTS Remote Deposit Desktop Guide TABLE OF CONTENTS... 1 INTRODUCTION... 2 GETTING STARTED... 2 ELIGIBILITY... 2 REGISTERING FOR REMOTE DEPOSIT... 2 MAKING A REMOTE DEPOSIT... 3 LOG ON... 3 DEPOSITING CHECKS... 3 AFTER SUBMITTING A DEPOSIT... 7 CHECK IMAGES... 7 ADMINISTRATION... 7 SYSTEM REQUIREMENTS... 7 SUPPORTED SCANNERS... 7 COMPATIBLE SCANNERS... 7 INSTALLING/UNINSTALLING DRIVERS... 8 ADDING & REMOVING USERS... 12 FREQUENTLY ASKED QUESTIONS... 14 DEPOSIT IMAGE SAMPLES... 16 Remote Deposit Desktop Guide rev.081914 Page 1 of 16

Introduction Remote Deposit is a check deposit service available for Business and Corporate accounts via Ent s free Online and Mobile Banking services. The desktop version of this service, available through Online Banking, requires the installation and use of a Panini check reader or desktop scanner on the user s local computer. Each Business or Corporate account must be individually enabled for the desktop version of this service by a Business Banker or Corporate Banker and minimum and maximum deposit amount thresholds are customized based on the individual business needs. Remote Deposit is also available on mobile devices using the Deposit Checks feature within Ent s free Mobile Banking App for iphone or Android devices. Getting Started Eligibility To be eligible for the Remote Deposit desktop service, an account must: Be in good standing Have a valid email address Have a valid mailing address Be enabled by an Ent Business Banker or Ent Corporate Banker and registered for the desktop service Registering for Remote Deposit Once the account is enabled, the first time an authorized representative logs on to Online Banking and accesses the Deposit Checks menu they will be required to review and accept an electronic deposit agreement. Agreements and disclosures may be viewed at any time at Ent.com\Legal. Remote Deposit Desktop Guide rev.081914 Page 2 of 16

Making a Remote Deposit Log On Remote Deposit Desktop Guide Enter your Online Banking Username and Password on Ent.com or the Online Banking home page. Select Services from the menu. Select Deposit Checks. Depositing Checks To deposit one or more checks: Select the account to deposit funds into and select Continue. Note: You may receive a browser notification regarding a blocked pop-up. For the Deposit Checks service to work without interruption, select to allow pop-ups from this site. New Deposits Within the New Deposits feature of Deposit Checks, you can quickly access help for each step of the deposit process by selecting the question mark icon ( ). Submitting a New Deposit 1. Verify the back of the checks are properly endorsed with: Payee s Endorsement Account Number and Share ID The words For deposit only at Ent Federal Credit Union Note: If using a stamp for endorsements, please verify the endorsement is legible. We recommend you note on the item when the deposit was made via Remote Deposit Capture (mm/dd/yy) to minimize the potential for duplicate deposits. Remote Deposit Desktop Guide rev.081914 Page 3 of 16

2. Select your scanner. Panini devices are supported. If you have more than one scanner set up on your computer, you will need to select your scanner the first time you make a deposit; the next time you make a deposit, the Remote Deposit service will remember/use your previous selection. Supported devices have been verified by the credit union to work with the Remote Deposit service. Unsupported devices have not been verified. If you are using an unsupported device, it will need to be TWAIN compliant; consult your device manual and/or manufacturer for additional information. For the best results, it s recommended the scanner resolution be set to: i. Bitonal 200 Threshold 3 for the Front Image ii. Bitonal 300 Threshold 5 for the Rear Image Note: Front Image 1 and Back Image 1 should be enabled. Front Image 2 and Back Image 2 should be disabled. 3. Enter the total amount of your deposit, which should equal the total amount of all scanned checks. 4. Scan the front and back of each check. When you select Scan the Panini Twain Interface window will open. Note: The Panini Twain Interface window will be located on your task bar. It may not open/be visible on top of other windows you have active on your computer. A. Front Image 1 and Rear Image 1 should be set to Enabled. Front Image 2 and Rear Image 2 are not used by the Deposit Checks service. A Note: The first time you scan a deposit, you will need to select Front Image 2 and Rear Image 2 and clear the Enabled checkmark. Remote Deposit will remember this setting for future deposits. C B Remote Deposit Desktop Guide rev.081914 Page 4 of 16

B. Select Advanced Options and deselect Disable Double Feed Detection. The Double Feed Detection option prevents checks from overlapping and from scanning two checks as one check. The preferred setting for this option is to activate Double Feed Detection. C. Once you have chosen your settings, select Scan. You may continue to add deposit items to scan until you select Finish. The Finish option will close the Panini Twain Interface. To add items to the deposit after selecting Finish, select Scan. Note: You can continue adding deposit items to the deposit batch until you select Continue in Step 5 on the New Deposit page. B D. Before selecting Continue in Step 5, we recommend you visually review each deposit item image. In some cases, you may need to adjust an image by rotating, flipping or cropping it. The tools within Remote deposit, just below where the scanned image of your check appears, can be used to perform these functions. E. If an error is identified with a scanned image, delete the invalid image using the delete icon before rescanning. 5. After scanning all checks for this deposit batch, select Continue to review the deposit. Once you select Continue the deposit batch will close and additional items may not be added. A progress bar will display as your scanned items are loaded within Remote Deposit. The appearance of the progress bar may vary based on your browser version. Remote Deposit Desktop Guide rev.081914 Page 5 of 16

Deposit Review: 1. Verify that all information is correct, including: The number of checks in the deposit. The total amount of the deposit you entered compared to the actual amount of the deposit based on scanning. Note: The submit button will be disabled if there are any errors with the deposit. Errors are noted by an error icon ( ). Select the Show Exception Only box to view only the items that require correction. Use the Rotate and Delete buttons to correct deposit images or the Amount field to correct a deposit amount. 2. Next, select Submit Deposit. The Submit Deposit button is located at the bottom of Step 2, after all displayed deposit images. Shortcuts to accessing Submit Deposit are CTRL+End or the Submit Deposit link at the top of the Review page. Once you have submitted your deposit, use CTRL+Home or scroll to the top of the page to view your deposit status. Your funds will be available pending review of the images and may be held at the sole discretion of the credit union. 3. Select Log Off to return to Online Banking. Note: If you have completed your Online Banking session, remember to select Log Off within Online Banking. Remote Deposit Desktop Guide rev.081914 Page 6 of 16

After Submitting a Deposit Remote Deposit Desktop Guide The deposit will post to your designated account immediately if no review is necessary. Deposits are reviewed Monday through Friday, not including federal holidays, between 8 a.m. and 5 p.m. Deposits received after 5 p.m. will be reviewed the next business day. If a deposit is held for review, you will receive an email notification when the deposit status changes. Status changes include when the deposit is accepted, adjusted, deleted, or an item within the deposit is deleted. When you access Remote Deposit and have one or more deposits pending review, a Pending Deposits section will appear at the bottom of the page. Note: This section only displays when you have a pending deposit. Check Images Copies of checks deposited via the Deposit Checks feature, whether deposited using a desktop scanner or mobile device, can be viewed by selecting Deposit History. Past deposits are available online for up to 18 months. Note: If you used the remote deposit service prior to October 1, 2014, check images are available upon request. Please contact your Business Banker or Corporate Banker for more information. Administration System Requirements The Remote Deposit desktop service supports the following browsers on the Windows 1 operating system: Internet Explorer Mozilla Firefox Chrome For the latest list of Technical Requirements for Online Banking, please visit Ent.com/OnlineBanking. 1. Windows is a registered trademark of Microsoft Corporation in the United States and other countries. Supported Scanners Panini check reader and scanner devices are supported for use with the Remote Deposit desktop service on personal computers using the Windows operating system. Compatible Scanners TWAIN compliant multi-feed and single feed scanners are compatible with the Remote Deposit desktop service. Supported devices have been verified by the credit union to work with the Remote Deposit service. Compatible devices have not been verified. If you are using a compatible device, it will need to be TWAIN compliant; consult your device manual and/or manufacturer for additional information. Remote Deposit Desktop Guide rev.081914 Page 7 of 16

Installing/Uninstalling Drivers Remote Deposit Desktop Guide Note: Administrator rights are required to install drivers on a user s computer. Installing Drivers Ent supports Panini devices with the Remote Deposit desktop service; however, any TWAIN compliant device may be used. To install Panini drivers, log on to Online Banking and select Services, and then Deposit Checks. Download and Extract the Panini Driver Within help for Deposit Checks, select the link Panini Driver to download the file. Depending on the browser and its settings, you may be asked to save the file. 1. Open the file. If your computer has a.zip program installed, that program should open by default; otherwise, the file will open using Window Explorer. 2 2. Extract the files to your computer. 1 3. Open the folder where you extracted the files and double-click on setup.exe. You may receive a security warning; select Run to install the driver. 4. The Panini Universal Installer will open, select Next. 3 4 5. Review and accept the license agreement, and select Next. 6. The universal installer will display the folder for the installation of the driver. Select Next to continue. 5 Remote Deposit Desktop Guide rev.081914 Page 8 of 16 6

7. By default, the installer selects the features that should be installed for the Panini device. Before selecting Next, make sure your scanner is not connected to your computer. A prompt will display reminding you to disconnect your device. Selecting Next will install the driver. You may see several installation screens open and close during the installation process. 7 8. When the InstallShield Wizard Complete window displays, select Finish ; your installation is now complete. Before using your check reader or scanner, please download and install the TWAIN interface. 8 Download and Install the Twain Interface Once your Panini driver has been installed, from within Help for Deposit Checks select the Twain Interface link to complete setting up your Panini device for Deposit Checks. 1. Depending on the browser you are using, you may be asked if you want to run or save the Panini Twain Interface Setup.exe, select Run. 2. A Welcome message will display, select Next to continue. 3. Enter the Customer Information and select Next. 2 4. For Setup Type, select Custom and Next. Remote Deposit Desktop Guide rev.081914 3 Page 9 of 16

4 5. Accept the default Destination Location for the interface installation by selecting Next. 6. Within the Select Features window, uncheck the option IrfanView and select Next. 5 6 7. Select Install to install the TWAIN interface. 8. Once the installation is complete, select Finish. 7 Remote Deposit Desktop Guide rev.081914 Page 10 of 16

Uninstalling Drivers When installing a new device for the Remote Deposit service, you may be required to uninstall an existing driver. Follow the guidelines recommended by your operating system vendor and/or the device vendor. Note: To uninstall a driver, you must have Administrator rights to the computer. Below are steps for uninstalling a driver in a Windows environment. 1. Open the Windows menu. 2. Select Control Panel. 3. Within the Control Panel, select Programs and Features. 4. Using the scroll bar, locate the driver(s) you 2 want to delete. For example, you may want to delete the Ent Remote Deposit Capture and Ranger for VisionX drivers associated with a previous remote deposit capture service offered by Ent. 3 4 5. Select Ent Remote Deposit Capture and right click on the description. Select Uninstall. 6. Confirm that you want to uninstall the selected software and select Yes to continue. 7. When the uninstall is complete, you will receive a success message, select Finish. 6 8. Repeat steps 5 7, selecting Ranger for VisionX. You may receive a prompt to disconnect your device. Select, OK to continue. Remote Deposit Desktop Guide rev.081914 Page 11 of 16

Adding & Removing Users Remote Deposit Desktop Guide Additional users can be created and granted permissions, also called entitlements, to view and perform transactions on your account(s) within Online Banking. Additional users can be added, updated and deleted via the Users function within Online Banking. Users that are Administrators may only be added, modified, and deleted by an Ent Member Service Representative. Administrators may allow other authorized users access to an account via Online and Mobile Banking by creating a Username for them. Each user will be required to provide security information, including a Secure Image and Phrase, Challenge Questions and a Password that are unique to that user. To add an additional User: 1. Select Add User. 2. Create a Username. Usernames must be unique, between 4 and 32 characters in length and consist of numbers and letters. Usernames are not case sensitive. 3. Enter the required information. 4. Select Save. Next, set up entitlements (permissions) for the new user by selecting the features, services, and accounts you would like that user to have available to them within Online and Mobile Banking and select Save. To update or delete a User: 1. Select the user details icon ( ), the entitlements icon ( ), or the delete icon ( ). 2. Update the user information and select Save. Unlocking Additional Users Additional users that are unable to successfully verify their identity using the Forgot Password feature may be unlocked and/or have their password reset by an Administrator (Business Principal). To unlock an additional user: Select the User to edit, and set their status to Enabled. Remote Deposit Desktop Guide rev.081914 Page 12 of 16

Entitlements Entitlements are permissions you choose to grant or restrict for each of your account s Additional Users. Entitlements to functionality that would allow funds to move outside of your account, like Bill Pay and Transfers Outside of Ent, are restricted to Administrators and account owners. To allow a user to Deposit Checks remotely via a desktop computer: 1. Edit the User s entitlements. 2. Select Deposit Checks within the Entitlements table. 3. Review and select the Accounts the user should be able to Deposit Into. 4. Select Save. Note: Remote Deposit must be initially enabled for the Business or Corporate account by an Ent Business Banker or Corporate Banker before entitlements may be assigned to Additional Users. Remote Deposit Desktop Guide rev.081914 Page 13 of 16

Frequently Asked Questions Remote Deposit Desktop Guide 1. Can a user have access to Deposit Checks without having the View entitlement? Yes, there are cases where a business owner or corporation may decide to grant the Deposit Checks entitlement without granting further entitlements to a user. When the user logs on to Online Banking, they will have the ability to Deposit Checks, update their User Profile, and Contact Us. 2. A deposit I made was held for review. When will the funds be available? Deposits are reviewed Monday through Friday between 8 a.m. and 5 p.m. excluding federal holidays. If a deposit was made after 5 p.m. and it was held for review, it will be processed the following business day. 3. May my organization use both the Remote Deposit desktop service and the mobile service? Yes, by default, all member accounts that meet eligibility requirements have access to deposit checks through Ent s Mobile Banking Apps. If your organization has registered for the Remote Deposit service with your Business Banker or Corporate Banker, users you have granted the Deposit Checks entitlement to may use both the desktop and mobile services. 4. The default deposit limit does not meet my deposit needs. How do I increase it? Contact a Business Banker or Corporate Banker, as appropriate, to set up an account review to discuss your organization s deposit needs and the services that best match your objectives. 5. Where can I view the items I have deposited? Images of your deposited checks are available within the Deposit Checks service, located under Deposit History. Only images you have deposited through the desktop or mobile services will display. At this time, check images deposited through a service center are not available through Online Banking. Check Images are available for up to 18 months online. If you are looking for a deposit image prior to October 1, 2014, please contact a Business Banker or Corporate Banker for assistance. 6. What are some of the common reasons a check image is not accepted? Common reasons an image is not accepted include: non-conforming item, shadows, folded corners, unreadable account or routing number (MICR), missing signature or other data elements such as endorsements. 7. Do I have to enter the deposit amount in Step 3 or can I leave it blank? We recommend for balancing purposes that you enter your total deposit amount. However, if your deposit amount is below your deposit limit, the Deposit Checks service will populate the blank deposit amount for you after you scan your deposit items. Remote Deposit Desktop Guide rev.081914 Page 14 of 16

8. I have one or more checks that keep getting stuck halfway through the scanner and an error displays. What do I do? Most likely, the thickness of the check(s) is causing your device to see it as two items. On the Panini Twain Interface window, select Advanced Options and select the box to Disable Duplicate Detect. By disabling this setting, you are allowing your device to ignore the thickness of the deposit item(s) being processed. You may need to select Clear Track for the device to release the check. 9. I often have to change my Panini Twain Interface settings for my deposits to consistently process. Is there a way to save the settings I find work for me? Yes, once you have the Panini Twain Interface settings the way you prefer, enter a template name in the Load Preset field and select Save Preset. In the future, when you want to use those settings, select Load Preset and pick your template from the list. 10. I was in the middle of a deposit and the Deposit Checks desktop service timed out. Do I have to start the deposit over again? If you completed scanning your deposit items and selected continue (Step 5 of New Deposits), then your deposit is in the Pending Deposits section and can be resumed by selecting the View button or deleted by selecting the Delete button. In this example, you do not have to re-start your deposit. If you did not select continue before the system timed out, you will need to re-start your deposit. 11. The Deposit Checks desktop service timed out as my file was being uploaded. Should I rescan my deposit batch? If only a partial batch completed because of a system time out, we recommend you delete the batch and rescan it. 12. I received a Deposit Accepted notification but my balance in Online Banking did not change. Your deposit will immediately display in the online History of the account you deposited the funds into, as soon as the deposit is accepted. In order to view your updated account balance, as displayed on the Accounts Overview screen, you will need to Log Off and Log On. 13. Will I receive an email about the status of my deposit? A deposit status will be sent to the email address of the last user who made a deposit. To receive an alert when your deposit is accepted, set up a Transaction deposit Alert within Online Banking. Remote Deposit Desktop Guide rev.081914 Page 15 of 16

Deposit Image Samples The following is a sample of an accepted check image: Remote Deposit Desktop Guide The following are samples of deposit images that may cause a deposit batch to be held for review or an item within a deposit to be deleted. These images have illegible amounts, or an unreadable MICR line. Remote Deposit Desktop Guide rev.081914 Page 16 of 16