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- Remote Deposit Capture: Implementation, Policies, and Procedures
Remote Deposit Capture: Implementation, Policies, and Procedures
Product Description
Check 21 has given financial institutions new opportunities to make check processing more productive. With remote deposit capture, institutions can offer their commercial clients the opportunity to scan and transmit images directly from their business site to the bank. This unique delivery system allows institutions the ability to provide their existing business clients with additional convenience, improved funds availability, and faster return item notification.
Branch capture allows financial institutions to expedite their check process, extend branch hours, and reduce expenses by scanning and transmitting check images directly from the branch to a processing site without having to physically transport checks for processing.
Sheshunoff’s Remote Deposit Capture: Implementation, Policies, and Procedures provides insight to the opportunities, challenges, risks, and solutions for financial institutions considering implementation of remote deposit and branch capture. This manual is an excellent starting place because it provides:
- Practical advice
- Checklists and sample policies
- Customer toolkit including a how-to reference guide, answers to frequently asked questions, sample remote deposit customer agreement forms, the general service agreement, and sample remote deposit bank statement reconciliation procedures
Highlights of Our Latest Update How to Use This Manual Table of Contents
Look Inside This Book!*
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About Anne J. Cheatham
Anne J. Cheatham is a banker with over 40 years of experience in the financial services industry. During her career, she served as a member of senior management in three de novo banks for more than 20 years, including Insurors Bank in Tennessee, where she currently is engaged as a consultant. She served for over three years as a member of a bank’s board of directors. She has had overall responsibility for many financial and administrative areas including regulatory reporting, accounting, auditing, retail deposit and delivery services, compliance, asset liability management, bank investments, bank operations, and information technology. Ms. Cheatham has authored or co-authored more than 10 publications for AlexInformation. She has been a frequent speaker conducting training programs for bankers nationwide on behalf of AlexInformation, Jack Henry National Users Group, the Tennessee Bankers Association, and the Bank Administration Institute. See all works by Ms. Cheatham
About J. Scott Gupton
J. Scott Gupton is chief operating officer and senior vice president of Sumner Bank and Trust, Gallatin, Tennessee. Mr. Gupton serves as a senior executive officer whose responsibilities include overseeing bank operations, accounting, financial reporting, information technology, vendor management, and auditing functions. This is the second de novo bank with which he has been involved. Prior to joining Sumner Bank and Trust, Scott’s diverse banking experience included operations management, relationship management, and lending, as well as some of his current responsibilities, at a statewide commercial bank, a large national bank, and a midsized community bank.
Mr. Gupton is a graduate of the University of Tennessee at Knoxville with a BS in business administration and marketing. He is also a graduate of the Southeastern School of Banking at the Owen Graduate School of Management at Vanderbilt University. Mr. Gupton has spoken to industry groups on remote capture, merchant capture and branch capture strategies, risk assessment, and risk management. He has also served as an expert witness on financial industry matters. Mr. Gupton is an active supporter of the National Arbor Day Foundation and the National Trust for Historic Preservation.
