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Remote Deposit FAQs

Remote Deposit FAQs

Questions And Answers

What is Deposit on Demand?

Deposit on Demand, or remote deposit, is the electronic deposit of checks made directly to your corporate bank account. The Deposit on Demand service is available for business accounts only. Any type of check drawn on a US Bank in US Dollars can be deposited through the Deposit on Demand Service. Signing up for Deposit on Demand Service is easy; contact a banking center near you or the Cash Management Services Department at 703.584.6005 or cmcs@cardinalbank.com.

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What are the benefits of using Deposit on Demand?

With Deposit on Demand, you don't have to visit a branch to make a deposit. You have the flexibility to make deposits when it is convenient for you with an extended deposit time of 5:00 p.m. daily. You also get the benefit of viewing images of your deposited checks.

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Can I still bring a deposit to the bank?

Yes.

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How does Deposit on Demand work?

Follow these three steps to make electronic deposits to your account:

  • Capture: Scan batches of checks into the system for deposit
  • Complete: Review the batch for accuracy
  • Approval: An authorized user approves the batch for deposit

The check images are sent electronically to the bank for deposit into your account.

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Can I expect every check to scan accurately?

Check sizes, colors and designs vary so there can be an impact on the readability of the check.

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How is the check endorsed?

The scanner will place an endorsement on the back of the check.

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What should I do with the checks after they are scanned?

Store the scanned checks in a secure location for 60 days. After 60 days, the checks should be shredded.

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Is there any special hardware or software required?

Yes. A special scanner is required and will be provided by the bank at no cost to you. Installation of the scanner can be performed by your IT personnel or by Cardinal's IT personnel with support from your IT personnel.

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How much time does it take to install the hardware and software?

Installation may take up to 30 minutes depending on your Network architecture security, web browser and internet speed.

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How is the scanner used?

The scanner is used for scanning and endorsing the checks for deposit. Up to 70 checks can be placed in the scanner at one time. For improved efficiency, we recommend separating the checks by size (business from personal checks) before placing the checks in the scanner.

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Does the scanner have to be connected to a PC?

Yes. The scanner connects into the USB port of a PC, similar to how a printer is connected.

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What are the system requirements?

Deposit on Demand is a web based solution that is secure and encrypted. The certified scanner (Panini MyVisionX-Duplex 30, 60, 90 DPM with Ranger API) attaches to your PC via a USB Port.
The minimum operating requirements are:
Workstation: 933 MHZ, 256RAM, 8MB-Video, USB 2.0 port
Operating System: Windows or Vista; Mac OS X 10.6 and above
Browser: MS Explorer versions 5.5, 6.0, and 7.0 or the latest version of Firefox
Java Plug-in: Java Runtime Environment (JRE) 6u10 or higher
Internet Connectivity: Broadband or DSL

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Will I receive documentation and materials prior to installation?

Yes, you will receive a “Welcome Package” which will include the Workstation requirements to be forwarded to your IT support personnel to prepare for the installation.

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Is there a limit as to the number of deposits and transmissions I can make?

There is no limit.

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I have multiple locations; can each location use the same scanner?

No, each location will need a separate scanner. If all checks can be processed from a central location, only one scanner will be required.

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What is the fee for the service?

There is a monthly service charge and a per item fee that can be offset by balances held in a commercial analysis account. Your Cash Management representative will discuss any fee in detail with you.

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How many accounts can be added to the Deposit on Demand Service?

There is no limit as to the number of accounts that can be added to the service.

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