• Contact Image Sensors (and Why They Are Important to Check Scanners)

    Published in Digital Communications Blog, Educational Articles / Published on

    What is a contact image sensor, or “CIS?” And just as importantly, why should you care? Well, if you have a check scanner, you should care about contact image sensors, because you own at least two of them! You also might be interested in the difference between line-scan and area-scan technology, because it’s an important...

  • Protected: What is Remote Deposit Capture?

    Published in Educational Articles / Published on

    There is no excerpt because this is a protected post.

  • Image Survivable Features, and Their Importance in Document Security

    Published in Digital Communications Blog, Educational Articles / Published on

    In the document world, an “image survivable feature” means exactly what it says: Any mark on a piece of paper that survives the process of being scanned or photographed, meaning it remains legible on the image in digital format. Which kinds of features are “survivable” has changed a lot over the years, as the technology...

  • MICR Reading Adventures: Why MICR Read Errors Occasionally “Fix Themselves” and What It Means

    Published in Digital Communications Blog, Educational Articles / Published on

    Occasionally, we will see reports from banks or credit unions baffled that their scanners seem to have intermittent issues with unreadable MICR printing on checks. There may be no apparent rhyme or reason to this – sometimes it works, sometimes it doesn’t. To further complicate this puzzle, occasionally it mysteriously “fixes itself” when the same...

  • Cheque Scanners – Sailing the High Seas to India?

    Published in Digital Communications Blog, Educational Articles / Published on

    How one partner used ocean freight to provide cost-effective delivery and gain a happy customer Part of the recent order of TS240 scanners for Albertsons awaits shipment to Chennai, India, from the Digital Check warehouse. Earlier this month, we had an opportunity to document an unconventional, but semi-frequent, occurrence at our manufacturing plant: Shipping an...

  • Support Tips: Clearing (And Avoiding) Paper Jams

    Published in Digital Communications Blog, Educational Articles / Published on

    The occasional paper jam is a fact of life for any machine that handles documents – printers, scanners, mailing machines, or otherwise. Fortunately, they’re infrequent enough to remain a minor nuisance, not a daily operational problem. (If it IS happening every day, it’s not “random” – there’s another issue causing it. Read on to help...

  • Understanding Branch Networking and the Virtual Desktop Teller Station

    Published in Educational Articles / Published on

    Note: If you’re already familiar with branch networking and Virtual Desktop Infrastructure, you may wish to skip ahead to the next article on Branch Networking with Scanners and Peripherals, or Practical Applications of Networking in and Beyond the Branch. “The Networked Branch” is a topic that’s been getting a lot of hype in the banking...

  • Branch Networking with Scanners and Peripherals

    Published in Educational Articles / Published on

    If you’ve read the first article in our series about branch networking, you hopefully understand the basics of a networked bank branch a little better. Here, we’ll talk about using peripheral devices, such as scanners and printers, in a virtual desktop network environment. Some important topics we’ll cover include: Why external devices are notoriously difficult...

  • Practical Applications of Networking in and Beyond the Branch

    Published in Educational Articles / Published on

    This is the third and final part of our series (check out Part 1 & Part 2) of educational articles on branch networking and how it applies to teller peripherals like scanners and printers, in particular. In the previous article of this series, we focused on the different ways scanners can connect to branch networks...

  • Reg CC Updates: FAQs for Check Capture and Image Processing

    Published in Educational Articles / Published on

    On July 1, a major update to Reg CC – the Federal Reserve Bank’s official rules for check clearing – takes effect, meaning some important changes are in store for how financial institutions handle paper and images. Many of the updates are simple revisions to the language of the rules, to account for the fact...

  • Laser Printing, Magnetism, and You: How Self-Printed Checks Affect MICR Readability

    Published in Educational Articles / Published on

    When magnetic ink came into widespread use on checks in the 1950s, it was more or less unthinkable that anyone would be trying to print their own. With no such thing as a personal or office computer, the learning curve was far too steep, and the equipment cost-prohibitive, to be worth your while unless you...

  • Battle of the MICR Fonts: Which Is Better, E13B or CMC7?

    Published in Educational Articles / Published on

    If you read the previous article in our series about magnetic printing on checks, then you’ve already got a basic understanding of how MICR reading works, and of the differences between the two main types of fonts used on checks. To recap briefly: MICR readers don’t “see” the characters; only the amount of magnetic signal...

  • Why does the magnetic MICR printing on checks use such a weird font?

    Published in Educational Articles / Published on

    Chances are that at least once in your life, you’ve looked at the bottom of a check and wondered, “What are those strange, alien-looking numbers? And why are they printed that way, with all the weird bulges?” It’s pretty common knowledge (in the industry, at least) that those are the routing number – in other...

  • Proper Cleaning Techniques for Digital Check Scanners

    Published in Educational Articles / Published on

    The easiest way to achieve the best results with Digital Check scanners is to maintain them often. This includes cleaning the scanners at regular intervals – commonly every 6,000-8,000 items in normal environments or between 2,000-4,000 items in environments where the scanned items may be soiled in any way. This page will provide instructions for...

  • Bank Secrecy Act (BSA) / Anti-Money Laundering (AML) Compliance in Remote Deposit Capture: Helpful Tips

    Published in Educational Articles / Published on

    Navigating through the alphabet soup of RDC regulatory compliance can be a headache, but we’re here to help with that. Over the past few years, we’ve gotten a lot of questions from the banks and credit unions we serve about what we can do to help them comply with rules set down by various regulatory...

  • How Much Does Your Receipt Printer Cost You?

    Published in Educational Articles / Published on

    Adding up the money spent on consumable supplies Photo by Ben Charlton / Creative Commons license 2.0 When you buy a receipt printer, the original purchase price is only a small fraction of what you’re signing up for in the long run. For starters, there’s the paper: At about 40 cents for a 150-foot roll...

  • All About Remote Deposit

    Published in Educational Articles / Published on

    Remote Deposit Capture (RDC) was created with the advent of the Check Clearing for the 21st Century Act, or Check 21 Act, enacted by the United States Congress in 2003. This process allows businesses, and now consumers, to scan in check deposits using a specialized check scanner, a flatbed scanner, or even by using the...

  • Bank Resource Center

    Published in Educational Articles / Published on

    Check processing has come a long way in the past ten years. In 2003, the Fed began an initiative to reduce the number of locations processing paper checks, then 45. As of 2010 that number was reduced to one location in Cleveland, Ohio. In 2003, check scanners were rare and smartphones even rarer. Today, hundreds...

  • Check Fraud

    Published in Educational Articles / Published on

    Check fraud is a serious and costly issue around the world.  In fact, though the number of checks written has decreased 26% between 2009 and 2010, according to a recent article in The Green Sheet, citing 2010 Federal Reserve Payments Study, the per-item cost due to check fraud has doubled from 2009 to 2011 from...

  • Exception Items

    Published in Educational Articles / Published on

    Check exception items are checks that for a number of reasons cannot be mechanically processed by a bank or financial institution.  These items include checks drawn on foreign banks, checks with no signature and sometimes no rear endorsement, stop payment items or items drawn on closed accounts, items with poor image quality, or for other...

  • MICR and OCR

    Published in Educational Articles / Published on

    The main challenge with check processing is to streamline and automate the process to reduce keystrokes.  Two technologies are used to automate this process.  The first has been used for over half a century; it is magnetic ink character recognition or MICR.  This process uses ink with magnetic resonance to print characters on the bottom...

  • How does MICR scanning work?

    Published in Educational Articles / Published on

    MICR (Magnetic Ink Character Recognition) capture has stood the test of time, having been printed on checks since 1959.  Not much has changed in the methods of printing the MICR ink on checks, however, a lot has changed in the technology to capture and read those characters more efficiently.  Technology has certainly improved in MICR read heads used...

  • Optimizing Check Images

    Published in Educational Articles / Published on

    It’s all about image. No, we’re not talking about Hollywood, although that statement would seem to apply there as well. We’re talking about the check and how important a good image is to achieving ROI in teller capture and branch capture. Why is image so important? Without a clear image produced by the scanner and...

  • Teller Capture vs. Branch Capture

    Published in Educational Articles / Published on

    Desktop check scanners have changed the face of check item image capture.  It used to take days to clear checks as the paper traveled from the bank of first deposit (BOFD) to the paying bank.  However, since the introduction of the Check Clearing for the 21st Century Act (Check 21) was passed in 2004, the clearing process...

  • The History of Remote Deposit Capture

    Published in Educational Articles / Published on

    Remote deposit got its start in 2003 with the passage of the Check 21 Act, which gave scanned images of checks the same legal standing as the original paper documents. The primary reason for the Check 21 Act was to speed up the check clearing process between banks, by allowing them to exchange check images...

  • Choosing the Right Check Scanning Device

    Published in Educational Articles / Published on

    A dedicated check scanner is the most efficient way to use remote deposit capture for those who process enough checks to justify the cost. Others may be able to use their own flatbed scanner or even a mobile device to capture check images.  Here are some of our recommendations, based on our customers’ experiences with...

  • What is the Check 21 Act and why was it passed?

    Published in Educational Articles / Published on

    Through the end of the 20th century, final clearing of checks in the United States was still done physically – even though much of the settlement procedure was electronic, the original paper checks still had to be returned to the account-holder’s bank at the end of the process. To accomplish this, the Federal Reserve Bank...

  • Types of Remote Deposit Capture

    Published in Educational Articles / Published on

    As you may have guessed, not all remote deposit capture systems are the same. They’re all made to accomplish the same general purpose, but there are a few subtle differences in the way they go about it. Here are a few of the more important distinctions to be aware of: Browser-Based vs. Software (“Client”) RDC...

  • Remote Deposit Capture FAQs

    Published in Educational Articles / Published on

    Who can use remote deposit? Remote deposit it is available, in one form or another, to virtually any business or consumer in the United States. Still, according to a recent study by the Aite Group, less than 5% of small businesses are currently conducting their banking with remote deposit capture To figure out whether remote deposit...

  • Remote Deposit Capture: Overview

    Published in Educational Articles / Published on

    Remote deposit (also known as remote deposit capture or RDC) is a system for depositing checks online instead of taking them to a physical bank branch or ATM. Some people also call it online check deposit, electronic check deposit, check image capture, or simply check scanning — but the basic principle is the same: Instead...

  • Digital Check’s Scanner Application Program Interface (API)

    Published in Educational Articles / Published on

    It’s all about the image — at least, that’s what check scanners are all about. A check scanner is only as good as the images it produces. Digital Check has a reputation in the check scanning industry for producing the most reliable scanners that produce the highest quality images. Image quality is dependent on a...

  • Teller Best Practices: Test those difficult documents

    Published in Digital Communications Blog, Educational Articles / Published on

    In an earlier edition of Digital Communications, we discussed the subject of NCIs conforming images) and the impact that they can have on the ROI of your bank’s teller check capture project. In that issue we discussed the fact that the cost of researching and repairing a check that is returned by the Fed can...

  • Branch Back Counter Check Capture

    Published in Educational Articles / Published on

    While many banks are moving to teller image capture, others are choosing to capture in larger batches throughout the day or at the end of the day at the back counter.  This still saves on the time and transportation cost of moving those checks to an operations center and reduces the cost of deploying bank...

  • RDC Scanner Geolocation – Advisor by Digital Check

    Published in Educational Articles / Published on

    It’s 11:00. Do you know where your customers are? Geolocation tracking with Advisor by Digital Check® An examination for Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance is no joke, and remote deposit is getting an ever-closer look from regulators. That’s why we created Advisor by Digital Check – a geolocation service that lets...

  • Teller Capture Best Practices – Minimizing NCIs and MICR Misreads

    Published in Digital Communications Blog, Educational Articles / Published on

    As banks roll out teller image capture to their bank branches, a hidden cost awaits many of them as they begin to see higher volumes of non-conforming images (NCIs) and MICR issues show up in their image processing departments. The cost of researching and repairing a check that is returned by the Fed can range...