The most efficient way deposit checks
Remote Deposit Capture (RDC) is a solution that allows you to capture, validate, and transmit your deposits from the comfort of your office.
Here’s how it works
- Scan each item of your deposit (checks and deposit slip).
- The software then reads the amount of each scanned check and balances the total transaction against the scanned deposit slip.
- Once the deposit is submitted, the images, deposit information, and MICR (Magnetic Ink Character Recognition) information are electronically delivered to us over a secure Internet connection.
This eliminates the need to physically process a deposit at the bank, likely reducing the total time required to clear your checks.
Getting Started
Using a Personal Computer (PC), scanner, and an Internet connection, checks received at your business can be scanned and sent electronically for deposit to American Bank & Trust, N.A. Specifically, as checks are received and batched at your business, an operator logs in to Virtual Teller and turns on the scanner.
- The operator places a batch of checks into the check scanner feeder and clicks the “Capture Items” button.
- As the system captures the checks, it creates check images, validates image quality, determines the check amount, verifies the routing/transit number, analyzes the check data to determine possible duplication, and determines if the check is a foreign item.
- Following the capture of the items, the operator is prompted to key in any check details that were unable to be read.
- Following the item correction, the batch is then balanced by either rescanning, deleting, or inserting items; or by fixing the deposit totals.
- Once the batch is balanced with the control totals it can be submitted electronically to the bank.
- Checks you transmit can be stored on your computer for a fixed period of time for research purposes.
Support and More Information
What are the hours of support?
American Bank & Trust, N.A. will provide support Monday through Friday between the hours of 9:00 AM and 5:00 PM (CT). Call our Back Office Support Services at (877) 626-2265 ext. 6524, or email Back Office Support Services at backoffice@goambank.com for support questions, issues or to learn more information about Virtual Teller remote deposit capture.
What type of support is provided?
American Bank & Trust, N.A. will work with clients to resolve application issues. Typical issues will be resolved within the first hour following the issue being reported. More extensive issues may require a scheduled call with an analyst to troubleshoot.
Ready to Enroll?
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Remote Deposit Agreement
Please contact our team for help getting set up and enrolled.