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Deposit Direct Online Banking Services

Deposit Direct Frequently Asked Questions

Q. How do I sign up to use Deposit Direct?

To see if Deposit Direct is right for your business, please contact our Cash Management team at 888-259-8225.

Q. How do I use Deposit Direct?

If you have already signed up for Deposit Direct, you can learn more about how to use this service by reviewing our Deposit Direct Quick Reference Guide or more detailed Deposit Direct Service Guide.

If you have additional questions about Deposit Direct, please contact our Treasury Operations team at 800-272-1876.

Q. How do I know if Deposit Direct services make sense for my business?

Any business that receives checks can benefit from depositing them remotely. It's quicker, safer and easier than making a trip to the bank and less expensive than using a courier. And with Deposit Direct, you can still get your checks to the bank even if you aren't located near a branch.

Q. What kind of equipment and software will I need to install in order to deposit checks remotely?

All you need is a check scanner certified to work with Deposit Direct's system. Deposit Direct handles all the processing on its secure servers, so there’s no need to install any additional software on your computer. Just sign in to our server using your web browser.

Q. Can I process anything other than personal and business checks with Deposit Direct?

Yes. Under the Check-21 Act, remote deposit also allows the processing of money orders, traveler’s checks, cashier's checks, government checks and warrants, and more.

Q. I already have a scanner. Will it work to deposit checks, or do I need to buy a special one?

In order to comply with the Check-21 Act, scanners must meet certain rigid technical requirements published by the U.S. Federal Reserve Bank. As such, most ordinary scanners will not work. Deposit Direct also offers scanners by several other manufacturers that meet industry requirements.

Q. Will my check scanner work to scan anything besides checks?

Most check scanners currently on the market are only capable of capturing black-and-white images of checks. However, in September 2006, Deposit Direct introduced the SB1000 check and document scanner, which also works as a full-color, two-sided scanner for ordinary media.

Q. How does Deposit Direct work with my bookkeeping software?

If you are a QuickBooks® user, Deposit Now A/R is for you. Deposit Direct is integrated with QuickBooks, and you launch it from your accounts receivable screen within QuickBooks. As you scan checks, Deposit Direct A/R works with QuickBooks to automatically post your receivables — all in one step, saving you time and increasing the accuracy of your work. If you use an accounting software system other than QuickBooks, Deposit Direct can create a file in most popular formats that you can import into your accounting system or Excel.

Q. If I deposit a check remotely and it bounces or turns out to be fraudulent, what happens? Is it any different from what would happen if I had deposited it the regular way?

It is not different — banking rules regarding the handling of fraudulent checks are the same, regardless of how the checks are deposited. However, Deposit Direct may provide you with a faster notice if a check bounces or is fraudulent. If a check is returned for insufficient funds, it can simply be submitted electronically a second time.

Q. What do I do with the check after I scan it?

Save it for 14 days in case of technical problems, then shred it. Images are securely stored in Deposit Direct's computers and are accessible by you over the Internet 24 hours a day.

Q. How difficult is it to learn how to use Deposit Direct? Will I need any special training?

Deposit Direct is remarkably easy to set up and learn, and we are available to help show you how to make the most out of the Deposit Direct service.