• 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

    Recurring feeding problems and paper jams are among the most common cases fielded by our support team, but not all jams are created equal. Last month, we focused on how a worn discriminator roller – the hardened-foam component that pulls checks from the input tray one at a time – can cause mechanical problems with...

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

    Published in Digital Communications Blog / Published on

    Since the Canadian banking system’s much-anticipated new clearing system went live in late 2014, two questions we’ve been getting a lot are: “Will I be able to scan Canadian checks (or cheques, as the case may be) from the U.S. side of the border?” and “Will this lower the fees and wait times when I...

  • Adventures in EMV: Is it Actually Possible to Make a Chip-and-PIN Transaction in the United States?

    Published in Digital Communications Blog / Published on

    The timing was fortuitous: About a week ago, just in time for some holiday shopping, my bank sent me my first-ever EMV-ready credit card, complete with gold chip displayed prominently on the front. Included in the welcome letter was a sentence informing me that the card was ready for the new generation of payments and...

  • 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...