• Zapmail, and How the Challenger Disaster Got Digital Check Into the Scanning Business

    Published in Digital Communications Blog / Published on

    The first launch of the Challenger Space Shuttle in 1983. The explosion of the Challenger Space Shuttle on January 28, 1986, shocked an entire nation and set the U.S. space program back for years. The aftermath affected thousands of individuals, companies and governments in ways that were impossible to predict. While most of those stories...

  • What the Ex-Im Bank Means to Digital Check and Its Customers

    Published in Digital Communications Blog / Published on

    Visitors to the Export/Import Bank’s website are now greeted with a new message concering its uncertain status. If you’ve been following the news out of Washington, you may have noticed a long-simmering ideological fight over the future of the Export/Import Bank (Ex/Im Bank) coming to a head recently, as Congress has been unable to reach...

  • Ultraviolet Check Scanners Make Their Way Into Ireland, UK

    Published in Digital Communications Blog / Published on

    This month, one of our partners in Europe, Checkprint, announced that it had closed a deal to ship about 1,200 TellerScan TS240-UV check scanners to Allied Irish Banks plc (AIB) as part of the bank’s project to replace old equipment. While we’re obviously glad for the sale, two other details make this exciting news for...

  • U.S. Could Learn a Lesson from India on Card-Not-Present Fraud

    Published in Digital Communications Blog / Published on

    In 2014, credit card fraud cost American retailers $32 billion – enough to pay for seven Nimitz-class nuclear aircraft carriers, with enough left over to build a state-of-the-art sports arena. So the news that we’re now just three months away from the conversion to EMV (also known as chip-and-PIN*) technology on credit and debit cards...

  • In the Groove: How Your Scanner Prevents Ink Smudges on the Image Sensor

    Published in Digital Communications Blog / Published on

    If you’ve ever opened up the inside cover of your TellerScan TS240 or CheXpress CX30 scanner, you may have noticed a shallow groove cut in the plastic image sensor housing. What is this groove, and what is it for? Well, like most of the miscellaneous parts in these devices, it’s there for a reason, and...

  • Taking Pictures for NASA: The Model 505 Data Reconstruction Camera

    Published in Digital Communications Blog / Published on

    This photo from NASA’s Viking 2 lander was almost certainly transferred from magnetic reels to a finished photo using a Model 505 data reconstruction camera.(Photo: nasa.gov) Before there were check scanners, Digital Check made a lot of other things under several different company names, mostly related to precision high-performance cameras and film projectors. One of...

  • Post Office Banking – Which Form Will It Finally Take?

    Published in Digital Communications Blog / Published on

    Last January, the Office of the Inspector General made waves in banking circles when it released a report suggesting the Post Office should offer basic financial services at some or all of its 35,000-plus branches nationwide. The idea was initially scoffed at within the industry, with many of the established players chiming in with sentiments...

  • That’s Not Tape! An Expensive Scanner Mishap to Avoid

    Published in Digital Communications Blog / Published on

    When we open a new electronic device, we’ve all become conditioned to expect various pieces of protective tape, stickers and pull tabs to be included in the packaging; it’s a natural reaction to want to pull them all off immediately. But be warned – you absolutely do not want to do this with a check...

  • What Goes Into Making an Apple Watch Banking App?

    Published in Digital Communications Blog / Published on

    By the time you read this, the latest Apple Event of the Century will be in full swing, with the new Apple Watch nearing the end of its first full week on the market. With it will come a slew of new or repurposed apps, including mobile banking apps. But, unlike in past launches of...

  • Do Only Old People Write Checks? The Effect of Age On Payments Habits

    Published in Digital Communications Blog / Published on

    “The remaining lifetime of the check is directly related to the death rate among citizens over age 65.” That comment from one of our overseas partners sums up a common perception of check usage in America, and for that matter, anywhere else. Paper checks are going away; they’re an archaic payment method; and the only...

  • Magnetic Interference: Why Your Scanner Isn’t a ”˜Fan’ of Desk Fans

    Published in Digital Communications Blog / Published on

    Summer is approaching, which means it’s almost time for an unlucky few scanner users to become frustrated by intermittent problems reading the magnetic ink at the bottom of checks, also known as the MICR line. That’s because as it heats up, more electric fans and similar devices make their way on to countertops around the...

  • Digital Check at the Masters 2015

    Published in Digital Communications Blog / Published on

    Every year, we enjoy a week full of fun and excitement at the Masters tournament at Augusta National Golf Club. This picture was from early in our day on Tuesday and we were at the top of the seating gallery area for hole #16. We had a great day hosted by Digital Check CEO Tom...

  • Now Trending in Payments: Your Customers are Cheap

    Published in Digital Communications Blog / Published on

    In the most recent issue of Digital Transactions magazine, two articles about consumer payment habits appeared side-by-side: The first titled “Bill Pay: Paper In, Digital Payments Out,” the second “ACH Adds Some Octane to a Retailer’s Mobile App.” While the two covered completely different subject matter, a common thread was the incredibly low threshold for...

  • Support Tips: Should I Turn That Unreadable Check Upside-Down?

    Published in Digital Communications Blog / Published on

    Last week, I walked up to the counter at the local grocery-store bank branch and handed in a $3.00 mail-in rebate check to deposit. But whatever the teller did, she couldn’t get it to scan correctly – probably because it had torn off unevenly along the perforated bottom edge, so it would not sit level...

  • Lock and Unlock Your Credit Cards? A Great Idea Waiting to Take Off

    Published in Digital Communications Blog / Published on

    Every so often, an idea comes along at just the right time to solve a big problem in the payments business, and makes you wonder, “Wow, how come nobody thought of that before?” With people’s credit and debit card numbers getting stolen left and right these days, we may be seeing just that with new...

  • Image Quality: Why One Banker Hates the New England Patriots

    Published in Digital Communications Blog / Published on

    The Super Bowl can be a polarizing event, and at least one person we know has a bone to pick with the New England Patriots this weekend. Not because of a team rivalry, or over the “Deflategate” scandal, but because for years after their last Super Bowl victory, their logo inadvertently made it harder for...

  • Reducing Misfeeds and Paper Jams from ”Deep Staging’

    Published in Digital Communications Blog / Published on

    [Editor’s note: This article was originally published in January 2015. While newer-generation scanners have more features in place to help prevent the “deep staging” issue, any safeguard can be defeated if you push hard enough — so it is still recommended that you use reasonable care when inserting a stack of documents into the feeder.]...

  • Cross-Border Deposits: Now That Canada Has Check Image Clearing, Can We Scan Canadian Checks in America?

    Published in Digital Communications Blog / Published on

    (Note: This article was originally published in January 2015, and the technology has changed in the meantime. See our more recent article on U.S. / Canadian cross-border check clearing for more on the current state of affairs.) Since the Canadian banking system’s much-anticipated new clearing system went live in late 2014, two questions we’ve been...

  • Support tips: Replacing the Discriminator Roller

    Published in Digital Communications Blog / Published on

    Every so often, we will get a service request for a scanner having feed issues: either frequent double-feeds, or difficulty feeding documents into the track at all. Quite often, the cause is a worn-out Self Adjusting Discriminator Roller (SADR) – the small foam disc that sits at the mouth of the feeder, opposite the drive...

  • 2014 Roundup: Image Quality, UV, “Magnetic Appeal” and More

    Published in Digital Communications Blog / Published on

    This was not your typical year at Digital Check, as 2014 saw us introduce the most new products of any 12 months in the company’s history. We also had time to expand north of the border into Canada, and to make our first extensive foray into software for banking and imaging applications. Let’s take a...

  • What a Difference: BMO’s Canadian Remote Deposit Service Meets Smooth Rollout, Warm Reception

    Published in Digital Communications Blog / Published on

    We’ve been watching the lead-up to remote deposit capture in Canada for about two years now, and last month marked an important milestone as Bank of Montreal officially launched its BMO DepositEdgeTM service in the Canadian market. Almost 10 years to the day after the Check 21 Act took effect in the United States, BMO...

  • New White Paper: The Hidden Cost of Image Quality Problems

    Published in Digital Communications Blog / Published on

    They only come up rarely ”” maybe once out of every 3,000 documents scanned ”” but when they do, checks that fail the clearing process due to image quality problems can cost banks a huge amount of money. How much? Try millions. Hundreds of millions. But for many financial institutions, they’re simply accepted as a...

  • Digital Check is Coming to Canada

    Published in Digital Communications Blog / Published on

    As we announced at the AFP Annual Conference this week, Digital Check has signed deals to become either an exclusive or a preferred equipment provider at four of the “Big Five” banks in Canada. It’s been an exciting past 18 months for us north of the border, as remote deposit systems have come from drawing-board...

  • Introducing Clear by Digital CheckTM – A Revolutionary New Way to Clean Up Problem Check Images

    Published in Digital Communications Blog / Published on

    On October 28, we announced the release of our most ambitious new software product yet, Clear by Digital CheckTM. Clear takes care of the “worst of the worst” poor-quality check images that currently fail in the electronic clearing process, costing banks millions of dollars annually nationwide. A money order scans poorly because of the varying...

  • Fraud Fighting Gets Ultraviolet

    Published in Digital Communications Blog / Published on

    Banking.com Q&A on UV Document Security, with Digital Check’s Alex Trombetta Ultraviolet security is making the jump from banknotes to other forms of payment such as checks and money orders — and the technology used to verify them has leapt forward as well. Documents are no longer limited to manual inspection under a “black light,”...

  • Remote Scanner location with Advisor by Digital Check

    Published in Digital Communications Blog / Published on

    Earlier this month, we introduced our first major customer for Advisor by Digital CheckTM ”” a geolocation service that can pinpoint the physical whereabouts of a check scanner being used to make deposits. Since then, we’ve gotten a lot of questions ”” mostly along the lines of, “What an interesting idea – where did you...

  • “Scanner Drag” – Explaining What May Be Coming Between You and 100% Rated Speed

    Published in Digital Communications Blog / Published on

    From time to time, we hear from a user whose scanner is experiencing slower-than-normal read rates, but is otherwise functioning fine. While we’ve previously explained why other attributes of a scanner are sometimes more important than straight “speeds and feeds,” if it says 100 documents per minute (DPM) on the box and the device isn’t...

  • Another Day, Another Data Breach: Protecting Yourself Without Being Paranoid

    Published in Digital Communications Blog / Published on

    Like many of you, I was one of the unfortunate 56 million Americans whose credit card information was exposed in the Home Depot data breach that was uncovered this month. After numerous near-misses and checking through old statements, the uncomfortable truth has finally been driven home: If you still use your credit card or debit...

  • Cheque Capture Overseas – Starting Later, Starting Better

    Published in Digital Communications Blog / Published on

    Many countries are building on lessons learned by those who adopted before them Photo by Grand Parc under Creative Commons 2.0 license We were in the UK last week, talking to some of our friends and partners there about Britain’s upcoming switch to electronic cheque clearing (the proper way to spell it just about everywhere...

  • Cheque Truncation Comes to Britain

    Published in Digital Communications Blog / Published on

    Last month, the UK’s Cheque and Credit Clearing Company ”” which manages the cheque clearing system in most of Britain ”” held its annual event in London, the Cheque User Forum 2014 (see video below). But this time, as our friends and partners in Britain tell us, things were a little different from usual, given...

  • Payroll Cards: Prepaid Cards Enter Rich but Untapped Market

    Published in Digital Communications Blog / Published on

    New Card by Brink’s Could Give Unbanked More Options Prepaid cards have taken over a big chunk of the B2C payments market, rising from relative obscurity a decade ago to over 9 billion transactions in 2013 – that’s 7 percent of all payments made in the United States. Today, when a company gives you a...

  • Why ‘Intrinsic Value’ Won’t Make or Break Bitcoin

    Published in Digital Communications Blog / Published on

    Will cryptocurrencies follow the path of baseball cards, or gold bullion? Virtual currencies have taken a lot of heat for their lack of “intrinsic value” ”” and the fact that you can’t physically touch a Bitcoin or a Dogecoin probably doesn’t help to allay that criticism. But does a currency’s real worth come from any...

  • Thermal Vs. Ink Receipt Printers: How to Save Money and Look Good Doing It

    Published in Digital Communications Blog / Published on

    Most of our work with banks focuses on scanning checks and swiping cards, but today let’s take a moment to focus on another, equally important part of the teller transaction process: printing receipts. A receipt printer is a pretty utilitarian device, and most people ”” bankers and retailers alike ”” look at it as something...

  • Ultraviolet Payment Security: The Digital Age Gives New Life to Old Techniques

    Published in Digital Communications Blog / Published on

    Published on the Brinks Blog A funny thing happened to checks when the world moved to automated scanning: All the visual security features started going away. Most printed anti-fraud elements either don’t play nice with scanners or disappear when converted to images, so banks started stripping down their checks to more image-friendly designs. But fraud...

  • Ultraviolet Scanning Becomes Affordable

    Published in Digital Communications Blog / Published on

    Introduction of CheXpress CX30-UV could be a big boost to overseas deposits In case you missed it, May 21 was the global unveiling of the world’s first low-cost ultraviolet check scanner, the CheXpress CX30-UV. It mostly passed under the radar in the U.S. (most banks here don’t employ UV security yet), but for international markets,...

  • Fundtech’s Insights Gala Was a Different (and Patriotic) Experience

    Published in Digital Communications Blog / Published on

    Memorial Day was this past weekend, and I thought this would be a good time to give a belated thank-you to Fundtech, who last week put on one of the more memorable nights of entertainment I’ve experienced on the trade show circuit. During last week’s Insights 2014 conference in San Diego, I and about 200...

  • Understanding UV Security: How and Why It’s Used on Payment Documents

    Published in Digital Communications Blog / Published on

    Why don’t we have UV in the United States? It’s not big in the U.S., but globally, dozens of countries require ultraviolet security features to be printed on checks, money orders, payment coupons and all sorts of other financial documents. The reason, as with all security features, is to prevent fraud, which UV does in...

  • Could You Spot a Fake Check From its Image?

    Published in Digital Communications Blog / Published on

    How Signature Verification and Other Tools Can Help Guard Banks Against Fraud It’s a question we get all the time: With electronic check clearing, if an image is presented for deposit or clearing, but you don’t have the original paper check, how can you tell if it’s fake or altered? In a great technological irony,...

  • Fun with Google Analytics: Tracking the Windows XP Apocalypse

    Published in Digital Communications Blog / Published on

    As a hardware manufacturer, we’ve been paying a lot of attention to the Windows XP phaseout, which which became official earlier this month when Microsoft announced the end of support for the operating system. Since our regular customer and partner reminders began about six months ago, we’ve been tabulating the OS and browser configurations of...

  • The “Heartbleed” bug – what you should know

    Published in Digital Communications Blog / Published on

    Many of you have asked us this week about the “Heartbleed” security bug, and whether our site was affected. First, we would like to reassure you that our site, 45.55.84.54/digitalcheck-l3, was not among those vulnerable to the bug, and that our clients are in no danger. Below are some answers to some of the more...

  • Windows XP End of Support: How it Will Affect Your Scanner

    Published in Digital Communications Blog / Published on

      As you may know, Microsoft has discontinued support for Windows XP as of April 8, 2014. Many of our customers will understandably have questions. Here are the basics of how the phaseout will affect Digital Check customers. If you are still using Windows XP, your scanner will continue working. Digital Check’s drivers and API...

  • How RDC Convinced Me to Switch to Branchless Banking

    Published in Digital Communications Blog / Published on

    Despite a lack of nearby branches, technology fills the gap and lets me stay with my old bank When our family moved to Southern California recently, I got a rare chance to experience firsthand one of the long-time marketing slogans for remote deposit capture: It “expands your bank’s footprint” and “allows you to reach customers...

  • Does Your Bank Need to be Using Twitter?

    Published in Digital Communications Blog / Published on

    Winter storms brought out creativity, but beware of other pitfalls This winter’s storms have caused a lot of bank branches to shut down during the worst weather, and financial institutions large and small have been looking for creative ways to keep their customers updated. Besides the standard online channels like email advisories and the corporate...

  • If Checks Are Going Away, What’s Taking Their Place?

    Published in Digital Communications Blog / Published on

    With all the commotion over e-payments, people’s spending habits have remained remarkably unchanged Checks took another beating in the latest month’s Federal Reserve Payments Study, which revealed another steep decline in the three years since the central bank’s previous report. Americans recorded 18.3 billion checks paid in 2012, compared with 24.5 billion three years prior...

  • BAI Payments Connect: Security is King, but Where Should Your Focus Be?

    Published in Digital Communications Blog / Published on

    We just wrapped up our time at the BAI Payments Connect conference in Las Vegas this week, and the watchword of the day was fraud, fraud, fraud. To the left of our expo hall booth: an anti-fraud software company. To the right of our booth: an anti-fraud software company. Behind our booth: another anti-fraud software...

  • USPS’ Plan to Get Into Banking: So Crazy it Just Might Work

    Published in Digital Communications Blog / Published on

    When the U.S. Postal Service issued a document last month that outlined a plan to offer financial services at its more than 35,000 branches, the banking industry reacted with a collective guffaw. Too big and slow; won’t work; people don’t trust the Post Office, was all over Twitter for the next couple of weeks. The...

  • Could a $20 Device Have Prevented the Target Data Breach?

    Published in Digital Communications Blog / Published on

    The recent Target and Neiman Marcus data breaches drew national attention to POS security, and the fact is that most retailers aren’t fully secured against these kinds of cyber attacks. Much of the discussion has focused on replacing our low-tech credit cards with a European-style chip-and-PIN system at some point in the future. But many...

  • Windows XP Phaseout: FAQ for Banks and Software Providers

    Published in Digital Communications Blog / Published on

    As you may know, Microsoft is discontinuing support for Windows XP on April 8, 2014. Here are a few important things to know if/when customers start inquiring about how it will affect them. Digital Check will offer continued support for Windows XP. If the end user does nothing, the scanner will continue to function as...

  • Why the Lowly Check is the Consumer’s Best Friend

    Published in Digital Communications Blog / Published on

    “Checks are going away.” “How many people do you see paying with a check anymore?” “Paper is dead – mobile is the future.” These may be three of the most common statements you’ll hear in the payments business. And with annual check volume declining in the U.S. year after year, it would seem they’re well...

  • Recap: What Was New in 2013?

    Published in Digital Communications Blog / Published on

    A lot happened at Digital Check in the last 12 months, with new products and software expanding what you can do with our devices. In case you missed any of it, here’s a quick summary of all the new additions: Native Mac OS X Support Starting with our API version 12.0 that was released in...