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Mobile and Remote Capture
• Ameriana Bank– Established in 1890– Asset Size 443M– 12 Banking Centers– 150 Associates
Deposit Options
• Remote Deposit Capture (RDC)– May 2007
• 44 Customers• Average of 8,000 items per month• Deposits Range from 10 -15 million
– Types of Scanners• Multi Feed
– Panini My Vision X
• Single Feed– Panini I:Deal
• Mobile Deposit Capture – September 2011
• Average of 100 deposits• Deposits Range from 20-30 thousand• High Month of 404 deposits• High Month Deposit $87,000.00
– Types of Devices• Any Smart Phone/Device
– Integrated into our mobile app
Important Factors to Consider
• Risk– Risk Assessment is necessary
• Risk Committee
• Customer Agreement– Very Detailed
• Liability• Responsibility
– RDC – Reviewed one on one with the customer by our Cash Management Officer.
– Mobile Deposit electronic acceptance.
• Policy/Procedures– Have all of this documented before you begin.
This will minimize internal questions and concerns.
The Ameriana Way
• Processing– Back Office – Imaging Area– Limits
• Amount (daily and one time)
– Cutoff Times• RDC - Three cutoff times per day• Mobile – Two cutoff times per day
• Integration (Image Centre)– RDC is an Image Centre product– Mobile Deposit Capture
• Bankserv created and x9 file that we import into Image Centre.
She tricked us!!
Said she was going to take us to Florida
Really?
I MISS YOU
MICKEY
