remote deposit capture (rdc) business

Remote Deposit Capture (RDC) BusinessRDC Business User GuideJuly 2019

RDC Business User Guide Contents

Contents

35

ContentsIntroduction to RDC Business Configuring your browser 6Configuring Internet Explorer 6Configuring Chrome 7Configuring Firefox 8

Scanners 9Depositing checks 10Scanning checks 10Scanning checks with flatbed scanners 13

Managing check scan errors 15Check data misread error 15Duplicate Item error 16Image Quality Analysis error 17Image compatibility error 17

Entering check data 18Deleting a check 21

Submitting a deposit 22Deposit Status Message 23

Deposit interruption 23Recovering from a deposit interruption 24

Cancelling a deposit 24Item Image viewer 25Renaming image files 26

Workstation registration 27Session timeout 27Recovering from a session timeout 27

Reports 29Report formats 29CSV (Comma-Separated Values) 29

Page 3

RDC Business User Guide Contents

Excel 30MHTML (Mime HTML) 30PDF (Portable Document Format) 30XML (eXtensible Markup Language) 30

Deposit Status 31Deposit Tickets 32Creating Deposit Tickets 32

All Items Report 33Creating an All Items Report 35

Daily Deposit Summary Report 36Creating a Daily Deposit Summary Report 37

Deposit Report By Date Range 38Creating a Deposit Report By Date Range 39

Deposit Detail Report 40Creating a Deposit Detail Report 41

Item Detail report 42Generating an Item Detail Report 44

Return Detail Report 45Creating a Return Detail Report 46

Glossary 48

Page 4

RDC Business User Guide Introduction to RDC Business

Introduction to RDC Business

RDC Business is a secure Web application that allows you to deposit checks remotely to your bank. You can also view your deposit history and view and download activity reports. Your check scanning hardware captures an image of the check, as well as location, account and routing information.

Page 5

RDC Business User Guide Configuring your browser

Configuring your browser

This section provides setup information for Internet Explorer, Firefox, and Chrome.

Configuring Internet ExplorerIf you use Internet Explorer, there are some settings you must configure to use ITMS. If youinstall the Scanner Control Manager (SCM) from the ITMS site, there are some additionalsettings you must configure.

To configure Internet Explorer for ITMS:

1. Open Internet Explorer.

If you are using Windows 7 or later, right-click your shortcut for Internet Explorer areclick "Run as Administrator".

2. Click the Tools button .

3. Select Internet Options.

4. Disable the popup blocker:a. In Internet Options, open the Privacy tab.b. Under Pop-up Blocker, click Settings.c. In the Address bar, enter each URL that you use to access ITMS, and then click

Add. For example, add https://www.itms-online.com.d. Click Close.

If you have other popup blockers, add the same web addresses to their safe lists.e. Leave the Internet Options window open.

5. Create trusted sites:a. In Internet Options, open the Security tab.b. Select Trusted Sites.c. Click Sites.d. In the Address field, enter each URL that you use to access ITMS, and then click

Add. For example, add: https://www.itms-online.com.e. Close the Trusted sites dialog box.f. Leave the Internet Options window open.

Page 6


6. Enable copying and pasting for your trusted sites:a. On the Security tab, with Trusted Sites selected, click Custom Level.

The "Security Settings - Trusted Sites Zone" dialog opens.b. Scroll to the Scripting section.c. Set "Allow Programmatic Clipboard Access" to Enable.

7. If you use the RDM EC9600i series network scanner (EC96XX), enable data sourcesacross domains:a. Scroll to the Miscellaneous section.b. Set "Access data sources across domains" to Enable.

8. If you want to install the SCM from the ITMS site:a. Scroll to the "ActiveX controls and plug-ins" section.b. Set "Automatic Prompting for ActiveX Controls" to Enable.

9. Save and close all the dialog windows.

Configuring ChromeIf you use Chrome, you might need to allow popups.

To allow ITMS popups in Chrome:

1. Open Chrome.

2. Click the Menu button .

3. Click Settings.

4. Scroll to the bottom of the page and click Show Advanced Settings.

5. Under Privacy, click Content Settings.

6. Under Pop-ups, click Manage Exceptions.

7. For Hostname Pattern, enter itms-online.com

8. For Behavior, select Allow.

9. If you use other sites to access ITMS, enter these web addresses as well.

10. Click Done.

11. Close the Content Settings dialog and then the Settings tab.

12. If you have other popup blockers, add the same web addresses to their safe lists.

Page 7


Configuring FirefoxIf you use Firefox, you might need to allow popups.

To allow ITMS popups in Firefox:

1. Open Firefox.

2. Click the Menu button .

3. Click Options and then the Content tab on the left side of the page.

4. Under Pop-ups, click Exceptions.

5. In the Address field, enter each URL that you use to access ITMS, and then click Allow.For example, add: https://www.itms-online.com.

6. Click Save Changes.

7. Close the Options tab.

8. If you have other popup blockers, add the same web addresses to their safe lists.

Page 8

RDC Business User Guide Scanners

Scanners

For instructions on how to set up your scanner and information about supported scanners,see the Getting Started Guide.

Page 9

RDC Business User Guide Depositing checks

Depositing checks

The Deposit module allows you to scan checks into a deposit, enter information for eachcheck, and submit the deposit for forward presentment.

You can scan a maximum of 50 checks into a deposit. Before you begin scanning, you mustadd up the total value of the checks in the deposit so that you can enter the Deposit ControlTotal (DCT) value. Deposit Control Total, DCT, and Control Total refer to the same value andare used interchangeably in the application.

The scanner scans each check. It franks or endorses the check (if it is set up to do so), andthen either places it in the hopper or ejects it.

After you have entered all the data for the current deposit, you must submit the deposit forforward presentment processing. Only deposits that are "in balance" can be submitted fordeposit. "In balance" means that the Control Total you entered matches the total value of thechecks you scanned. If your deposit is not in balance, you must update the Control Total oradjust individual amounts in the Amount fields.

During the scanning process, one or more errors might occur: Check Data Misread,Duplicate Check Detected, and Image Quality. You must manage these errors before you cancontinue to scan checks into your deposit. Details are provided below.

You can only cancel the current deposit when checks are not being scanned. When youcancel a deposit, it is not sent for forward presentment processing. All data associated withthe canceled deposit is permanently deleted from the system, and it is not recoverable.

Once you submit a deposit, you can no longer edit the information associated with it. Forexample, after submitting you cannot delete a check from the deposit or change the payorinformation.

Scanning checksBefore you scan for the first time, you must install the Scanner Control Manager (SCM). Ifthe SCM is already installed, you must still go to the Settings page and select your scannermodel from the list before you can scan for the first time.

To start a deposit, you must supply the total dollar amount of checks in your deposit (theDeposit Control Total). There is a calculator to help you do this.

Page 10


You can scan up to 50 checks into one deposit.

1. Click Deposit.

2. If necessary, select a location and an account:

3. Click Scan Checks.

Page 11


4. In the Deposit Control Total, enter the total dollar amount of all the checks you're

putting into this deposit, or click the Calculator icon ( ).

If you click the Calculator icon, the calculator opens. Here is a picture of thecalculator with some numbers already entered:

The calculator works just like a regular calculator. Type a number and click the "Plus"sign (+) to add the number to the list. When you are done, you can print your list, andyou can click Apply Total to automatically add the total to the Deposit Control Totaldialog.

Page 12


5. When the DCT is correct, click OK.Next, the scanner connects to the system, and a message appears on the right side ofthe screen that the scanner is ready.

6. Insert a check into the scanner.

When the check is scanned, the check image uploads and the quality of the image isverified. After the image is verified, a message appears on the right side of thescreen that the scanner is ready for the next check.

7. If you are scanning several checks into the deposit, continue scanning each checkuntil you have scanned the entire deposit.

Scanning checks with flatbed scanners

Deposits can include a maximum of 50 checks. Before scanning, add up the total dollaramount of checks in your deposit. You will enter this as the Deposit Control Total.

You must scan both sides of the check.

1. Click Deposit.

2. If necessary, select a location and account:

3. Click Scan Checks.

Page 13


4. In the Deposit Control Total, enter the total dollar amount of all the checks you're

putting into this deposit, or click the Calculator icon ( ).

If you click the Calculator icon, the calculator opens. Here is a picture of thecalculator with some numbers already entered:

The calculator works just like a regular calculator. Type a number and click the "Plus"sign (+) to add the number to the list. When you are done, you can print your list, andyou can click Apply Total to automatically add the total to the Deposit Control Totaldialog.

5. When the DCT is correct, click OK.

6. Click Scan.

Page 14


7. Place a check in the scanner so that its front side is facing down, and then click Scan.

8. Turn the check over so that its back side is facing down, and then click Scan.

9. If you are scanning several checks into the deposit, continue scanning each checkuntil you have scanned the entire deposit.

Managing check scan errorsWhen you scan checks, you might encounter one of the following errors:

o Check Data Misread Erroro Duplicate Check Detected Erroro Image Quality Erroro Image Compatibility Error

Each is explained below.

Check data misread error

As you scan checks, the MICR line at the bottom of each check is read and validated. If checkdata cannot be read or validated, the Check Data Misread dialog appears. This dialog shows:

o At the top, a summary of the problem.

o In the middle, a picture of your check.

o At the bottom (under "Enter check data"), is the system's best guess at the MICR line,with question marks (?) where it has no guess. You can edit this MICR line.

If you have permission to edit the MICR line, you can correct, remove, or re-enter digits tomake the electronic MICR line match the MICR line that is printed at the bottom of thecheck. Alternatively, you can reject the check to delete it from the system completely.

If you do not have permission to edit MICR line, you must reject the check when you receivethis error. Clicking Reject Check deletes the check from the system completely. After youreject a check, you can rescan it if you suspect that it was scanned incorrectly.

Page 15


Element Description

Enter CheckData

Label above the MICR line.

Edit icon When this option is selected, you can edit the characters that appearin the MICR line. (This icon appears to the right of the MICR line, andis labeled either "Insert" or "Edit".)

– T Click this button to insert the Transit symbol into the MICR line. Youcan also type "T" on your keyboard to insert this symbol.

– O Click this button to insert the On-Us symbol into the MICR line. Youcan also type "O" on your keyboard to insert this symbol.

– A Click this button to insert the Amount symbol into the MICR line. Youcan also type "A" on your keyboard to insert this symbol.

– D Click this button to insert the Dash symbol into the MICR line. you canalso type "D" on your keyboard to insert this symbol.

Duplicate Item error

Note: You can't deposit duplicate checks. If you believe that a check that has been flagged asa duplicate is not a duplicate, take the check to the bank for deposit.

Page 16


If duplicate check detection is activated, the MICR line at the bottom of each check is readand validated as you scan the checks. Blank spaces that appear in the MICR line are ignoredduring validation. New checks are verified against the last 30 days of check data in thesystem to identify duplicates.

The Duplicate Item error appears when MICR data from the check you are scanning matchesMICR data already stored in the system.

Image Quality Analysis error

Each scanned check is validated to determine how accurately its electronic image representsthe original paper check. The Image Quality Analysis (IQA) error appears if a check imagefails to meet image quality standards.

You cannot deposit electronic check images that fail one or more image quality tests. If youbelieve that the check image can be improved, you can rescan the check. If the checkcontinues to produce an error, you need to take the check to the bank for deposit.

IQA might fail for the following reasons:

Image QualityThreshold

Description

Excessive Skew The check was not positioned properly when it was scanned.

Piggyback The check might have overlapped with another check duringscanning.

Too Light The check image is too light to be an acceptable representation ofthe paper check.

Too Dark The check image is too dark to be an acceptable representation ofthe paper check.

Image compatibility error

Image compatibility errors apply only to flatbed (TWAIN) scanners.

Each scanned check is validated to determine how accurately its electronic image representsthe original paper check. The check image is tested for proper alignment on the scanningsurface, whether the check data (MICR codeline) can be found, and whether the dimensionsof the front image match the dimensions of the back image.

Page 17


You cannot deposit electronic check images that fail any of the image compatibility tests. Ifyou believe that the check image can be improved, you can rescan the check. If the checkcontinues to produce an error, you need to take the check to the bank for deposit.

The error message shows you the following statistics:

o Compatibility Level Index: A number, 0–10, that indicates how closely the checkimage matches image compatibility standards. The lower the number is, the lesscompatible the image is.

o Check front and back mismatched: An indication that the dimensions of the front ofthe check do not match the dimensions of the back of the check closely enough.

You must recover from an Image Quality error before you can continue to scan checks. ClickOK to continue scanning checks. The check is deleted from the system permanently.

Entering check dataYou must scan a check before you can enter check data into the system. Data for the lastcheck that you scanned must be entered first. Once you select a check, you must enter avalue in the Amount field before you can select another check.

Page 18


Element Description

Location The name of the location member where you are making thedeposit. If this appears, you selected this location from theLocation dropdown before scanning checks. Once you start adeposit, you cannot change the selected location.

Account The name of the account for the deposit. You selected thisaccount from the Account dropdown before scanning checks.Once you start a deposit, you cannot change the selectedaccount.

Page 19


Element Description

Deposit Number The Deposit Number is assigned to your deposit automatically. Itis a value relative to the last submitted deposit. It might not beunique. You cannot edit the Deposit Number.

Payor This data is optional. Payor data specifies the person ororganization that made the payment by check. Payor data can bea maximum of 30 alphanumeric characters.

Reference This data is optional. Reference data specifies the checkidentifier that links to a payor account. Reference data can be amaximum of 22 alphanumeric or special characters

Amount You must enter data into this field. The field appears pink whenyou have not yet entered any data. Amount is the dollar amountof the check. The value in the Amount field must be greater thanzero. This value might be filled in automatically as you scanchecks. You can edit the Amount value to match the checkimage.

If you do not enter a decimal point, the value that you enter isinterpreted as containing cents. For example, if you enter 12345,it is interpreted as 123.45. Once you select a check, you mustenter a value in the Amount field before you can select anothercheck.

Control Total You must enter data into this field. Deposit Control Total (DCT)and Control Total refer to the same amount and are usedinterchangeably in the application. You can edit the Control Totalto match the Deposit Total. The Control Total value cannot beblank, zero, or include special characters such as commas. Adecimal point is permitted.

Deposit Total Displays the sum of the individual check amounts that youentered. You cannot edit this value.

Deposit Clicking this button submits the deposit for forward presentment.The Amount fields must contain values greater than zero. TheControl Total and Deposit Total must match before you cansuccessfully submit a deposit.

Page 20


Element Description

Cancel Clicking this button cancels the deposit. When you cancel adeposit, any check images and information that you entered aredeleted from the system permanently.

To enter check data:

1. Type the total dollar amount of the check in the Amount field.

2. Press the Enter key to move to the next check in the deposit.

3. (Optional) Enter additional check data.

o Type information about the check’s payor in the Payor field.

o Type information about the check in the Reference field.

4. If necessary, edit the information in the Control Total field to match the Deposit Totalvalue.

Deleting a check

You can only delete checks before you submit the batch for deposit. Once you submit adeposit, you cannot delete any of the checks inside it.

1. Ensure that the application has stopped scanning checks.

2. Select the check that you want to delete.

3. Click the trash bin in the top-right of the item image viewer.

A message appears that asks you to confirm that you want to delete the check.

4. Click Yes.

Page 21


Submitting a depositDeposits can contain a maximum of 50 checks. All checks must have dollar amounts greaterthan zero. Only deposits that are in balance (the Control Total and the Deposit Total match)can be submitted for deposit.

1. Ensure that the Control Total and the Deposit Total match, and that the dollaramount for each check is greater than zero.

2. Click Deposit.

A message appears that asks you to either balance your deposit or confirm yourdeposit.

3. If you are asked to balance your deposit, perform the required steps.

a. Click OK.

b. Adjust the Control Total or any of the check amounts.

c. Click Deposit again.

4. Click Yes to confirm your deposit.

A message appears that confirms the status of your deposit.

5. Click OK.

A message appears that asks you if you want to print a receipt.

6. Click Yes or No.

Page 22


Deposit Status Message

If your account has deposit or aggregated limits and is set up to display limit notifications,when you submit a deposit a message appears that confirms the status of your deposit.There are three possible results:

o Accepted - a deposit has been submitted.

o Warning - a deposit has been submitted but it has approached an aggregated limit.

o Declined - a deposit has been declined because it has passed a limit.

Use the plus signs to see what deposits, transactions, or items approached or exceeded thedeposit limits. Hold your cursor over a warning or a decline to see what limits caused theproblem.

To export the deposit summary information for declined deposits in PDF format, click thePrint button.

Deposit interruption

If your online user session is interrupted while you are processing a deposit, you must log inagain to complete your deposit.

Each check is saved as you scan, so you do not lose any data if your deposit is interrupted.After you log in again, you are returned to your deposit in progress. You can continue to scanchecks into your deposit; however, you must cancel or submit your deposit to begin a newone.

Your online user session might be interrupted for several reasons.

Reason for Interruption Result

You log out while you areprocessing a deposit.

You must log in again to continue processing your deposit.

You lose your Internetconnection while you areprocessing a deposit.

You are notified that your Internet connection is slow orhas been lost. The scanner stops processing additionalchecks. You must reconnect to the Internet, and then login again to continue processing your deposit.

Your browser stopsresponding while you areprocessing a deposit.

You might have to close your browser without logging outproperly. You must log in again to continue processingyour deposit.

Page 23


Reason for Interruption Result

You close your browserwhile you are processing adeposit.

Your are still logged in. However, you are allowed onlyone online user session at a time. You must reopen yourbrowser and then make the current user session active tocontinue processing your deposit.

Recovering from a deposit interruption

If you closed Internet Explorer while processing a deposit, you must log in again to continueprocessing your deposit.

1. Open Internet Explorer.

2. Go to the login page.

3. Enter your user ID in the User ID field.

4. Enter your password in the Password field.

5. Click Login.

You are prompted to end your previous user session, and then activate a new one.

6. Click Login.

You are returned to your deposit in progress.

You can continue to scan checks into your deposit; however, you must cancel or submit yourdeposit to begin a new one.

Cancelling a deposit

You can only cancel a deposit before you submit it. You cannot cancel a deposit that youhave already submitted.

1. Ensure that the scanner has stopped scanning checks.

2. Click Cancel.

A message appears that asks you to confirm that you want to cancel the deposit.

3. Click Yes.

All data that is associated with the deposit is deleted.

Page 24


Item Image viewer

Icon Description

Print image: Prints the current check image.

Download: Saves the current check image to your workstation.

Copy to clipboard: Copies the image to your workstation’sclipboard. Appears only when using the Internet Explorer browser.

Note: If you are using a Microsoft Office application, the "Paste"command does not place the image in your document. You mustuse "Paste Special".

Full screen: Expands the image viewer to full screen. Someelements are unavailable in full screen mode.

Best fit: Magnifies the image to fit the edges of the image viewerhorizontally and vertically while maintaining the image’s originalaspect ratio. The image remains inside the current view.

Page 25


Icon Description

Best height: Magnifies the image to fit the viewing pane verticallywhile maintaining the image’s original aspect ratio. The imageremains inside the current view.

Best width: Magnifies the image to fit the image viewerhorizontally while maintaining the image’s original aspect ratio.The image might extend beyond the current view.

Zoom in: Increases the size of the current check image whilemaintaining the image’s original aspect ratio.

Zoom out: Decreases the size of the current check image whilemaintaining the image’s original aspect ratio.

Rotate right: Shift the angle of the image to the right.

Rotate left: Shift the angle of the image to the left.

Flip image: Shows the other side of the document.

Invert colors: Makes white black and black white.

Delete: Deletes the current check from the deposit.

Renaming image files

If you rename an image when you save it, you must explicitly include the file extension .pngin the file name. If you do not add the file name extension, Windows does not recognize thefile as an image file.

1. In the image viewer, click the Save icon.

The "Select location for download" dialog box appears.

Page 26


2. In the "Save in" field, select the location where you want to save the image file.

3. In the "File name" field, enter the new name of the image file and make sure to addthe extension .png.

For example, check_name.png.

4. Click Save.

If you did not add the .png extension when you renamed and saved the image, you can add itto the file name of the saved image by using the Rename function in Windows Explorer.

Workstation registrationThe first time you try to scan on a workstation that has never been used for scanning, amessage might appear that asks you to register the workstation. The message lists all of theworkstations that are registered in your branch of the member hierarchy. You can either addthe new workstation or replace an existing workstation. All changes take effect immediately.

If you add a new workstation, then you are billed for one additional workstation, beginning inthe current month. If you replace an existing workstation, your billing remains the same.

When you try to scan on a workstation that has been replaced in the past, a messageappears that tells you that you are activating a previously-replaced workstation.

To remove a workstation without replacing it, contact your service provider.

Session timeoutIf you do not interact with the system for 15 minutes, a time-out alert might appear. If theTime Remaining counter reaches zero, your online user session expires, and you areautomatically logged off.

Recovering from a session timeout

If your online user session expires, you are automatically logged off. You must log in again torecover from the session timeout.

1. Click OK.

You are redirected to the login page.

2. Enter your user ID in the User ID field.

Page 27


3. Enter your password in the Password field.

4. Click Login.

You are returned to your deposit in progress.

You can continue to scan checks into the deposit; however, you must submit or cancel thecurrent deposit to begin a new one.

Page 28

RDC Business User Guide Reports

Reports

In the Reports module, available reports are listed in the left pane, and Deposit Status detailsare displayed in the right pane. You can generate reports, and then view, download, andprint them.

Report formatsAfter you generate a report, you can download it in one or more formats, depending on whatformats are available for that report. Select the file format that best fits your needs.

CSV (Comma-Separated Values)

File extension: .csv

CSV files contain tabular data where each piece of data is separated by a comma (comma-delimited). CSV files are commonly used to transfer data from one database to another.

In a CSV file, each line of data is equal to a row in a table. Within each line, fields or “cells”are separated by a comma. Data that contains a comma is surrounded by double-quotes.Each line (or row) ends with a line feed, or a carriage return and a line feed pair.

Here is data as it appears in a table:

CheckAmount Bank# Account# Check# ItemType

5,840.83 123 1212121 181 CHECK

91.03 456 3434343 45 CHECK

956.24 789 5656565 97 CHECK

Here is the same data in CSV format:

"5,840.83",123,1212121,181,CHECK91.03,456,3434343,45,CHECK956.24,789,5656565,97,CHECK

CSV files can also be opened in a simple text editor such as Notepad or a spreadsheetapplication. However, opening a generated report that is in CSV format in a spreadsheetapplication can cause unexpected reformatting of numerical data in the report. If you need

Page 29


to open a generated report in a spreadsheet application, we recommend that you downloadthe report in the Excel format, if possible.

Excel

File extension: .xls

For Microsoft Excel. This format is useful if you want to sort, limit, or analyze your reportdata.

MHTML (Mime HTML)

File extension: .mht

The MHTML format is a multi-part MIME message containing HTML in one part and otherresources referenced by the HTML in other MIME parts (for example, logos or images). Thisformat is useful if there are images associated with the report that you want to archive withthe report when you download it and view it offline.

Before you print a report that is generated as an MHTML file, download it first and thenopen the report in a browser. Although Internet Explorer supports MHTML format, not allother browsers do (or they might display it in different ways).

In addition, MHTML files can be opened and saved using Microsoft Word 2002 and later.

PDF (Portable Document Format)

File extension: .pdf

Typically, you download reports in the PDF format for archiving purposes, or when you donot need to manipulate or analyze the data.

To open a PDF file, you require PDF reader software, such as Adobe Acrobat Reader version8 or higher.

XML (eXtensible Markup Language)

File extension: .xml

XML is a structured, text-based file format standard. Typically, a computer processes thereport data contained within the XML file to transform it into another file for a differentapplication.

Page 30


Deposit StatusThe Deposit Status table is the first page in the Reports module. In the Deposit Status table,you can see the last 25 deposit tickets that were created in the last 14 days.

Here is the Deposit Status page:

This table describes the Deposit Status table:

DepositInformation

Description

Create Date The date and time when the deposit was sent. FormatMM/DD/YYYY HH:MM AM/PM

Deposit Location The location member where the deposit was made.

Deposit Account The name of the account to which the deposit was sent.

Deposit Number An identifier that is generated automatically and assigned to thedeposit. It is unique to your account, but it might not be a uniquenumber in the system.

Checks Total number of checks in the deposit.

Deposit Total Total dollar amount of all checks in the deposit.

Deposit SubmissionTime

The date and time that processing was completed for thedeposit. Format MM/DD/YYYY HH:MM AM/PM

Status Current submission status of the deposit. Can be ACCEPTED orSENT.

Page 31


Deposit Tickets

A deposit ticket includes information for each check that is scanned into a deposit. You canview, save as a PDF, and print deposit tickets from the Deposit Status list.

Data Fields Description


Create Date The date and time when the deposit was sent. FormatMM/DD/YYYY HH:MM AM/PM

Status Current submission status of the deposit. Can be ACCEPTED orSENT.

Deposit Location The location member where the deposit was made.

Deposit Account The name of the account to which the deposit was sent.

Submit Date The date and time the deposit began to transfer. FormatMM/DD/YYYY HH:MM AM/PM

Report Date The date and time the report was generated. FormatMM/DD/YYYY HH:MM AM/PM

Payor The name or identification of the person or organization thatmade the payment by check.

Reference Identifier that links the check to the payor account. Typically this isan invoice number.

Amount Total dollar amount of each check in the deposit.


Creating Deposit Tickets

You can generate a deposit ticket, and then download it or print it for your records.

Page 32


1. Click Reports.

2. Select a deposit from the list, and then click Print or Print with Images.

A PDF of the deposit ticket opens in a separate browser window.

3. Download a copy of the deposit ticket.

a. Click the disk (Save) icon.

The Save A Copy dialog box appears.

b. Select a place to save the file, and then click OK.

4. Print a copy of the deposit ticket.

a. Click the printer icon.

The print dialog box appears.

b. Click OK.

All Items ReportThe All Items report is used for exporting data to a third-party accounting application.

Data Field Description

Create Date The date when the deposit was sent. Format MM/DD/YYYY 12:00AM

Report Date The date and time the report was generated. Format MM/DD/YYYYHH:MM AM/PM

Page 33



Total Total dollar amount of items in all of the deposits.

Total Items Total number of items in all of the deposits.

Deposit Number An identifier that the system assigns to the deposit. It is unique toyour account, but it might not be a unique number in the system.

Deposit ID An identifier that is generated automatically and assigned to eachdeposit. It is unique in the system.


Items Total number of checks in the deposit.

Deposit Date The date and time that processing was completed for the deposit.Re-presented items appear on the date that processing wascompleted again. Format MM/DD/YYYY HH:MM AM/PM

CaptureDate/Time forCheck Data

The date and time that the check was scanned. Re-presented itemsappear on the date that they were resubmitted. FormatMM/DD/YYYY HH:MM.

Item Ref. No. forCheck Data

Item reference number. A number that is generated automaticallyand assigned to each check. It is unique in the system.

Amount for CheckData

Total dollar amount of each check in the deposit.

Bank Number forCheck Data

A number that identifies the financial institution that issued thecheck. It is part of the data printed at the bottom of the check. Itmight not be unique in the system.

Account Numberfor Check Data

A number that identifies a particular account from the financialinstitution that issued the check. It is part of the check data printedat the bottom of the check. It might not be unique in the system.

Check Numberfor Check Data

A number that identifies a particular check from an account at afinancial institution. It is part of the data printed at the bottom ofthe check. It might not be unique in the system.

Page 34



Client Type forCheck Data

Can be:

o Desktop: The item was uploaded at a workstation.o Mobile: The item was uploaded on a mobile device.

Deposit Locationfor RemittanceData

The member location where the item was submitted.

Deposit Accountfor RemittanceData

The member name where your Demand Deposit Account (DDA) isconfigured. This field can be blank.

Payor forRemittance Data

The name or identification of the person or organization who madethe payment by check.

Reference forRemittance Data

Identifier that links the check to the payor account; typically this isan invoice number.

Creating an All Items Report

You can generate an All Items report, and then download it.

1. Click Reports.

2. Click All Items Report.

3. Enter a date in the Processing Date field, and then click OK.

You can generate an All Items report for a day that falls only within the last 18months.

The All Items report appears in Internet Explorer.

Page 35

RDC BusinessUser Guide Reports

4. Download a copy of the All Items report.

a. Select the appropriate file format from the list.

b. Click Download.

The File Download dialog box appears.

c. Click Save.

A Save As dialog box appears.

d. Select a location to save the file, and then click Save.

Daily Deposit Summary ReportThe Daily Deposit Summary report provides data for all deposits on a specified date withinthe last 18 months.

Report Data Description

Deposit Date The date when the deposit was sent. Re-presented items appearon the date that they were resubmitted. Format: MM/DD/YYYY

Report Date The date and time the report was generated. FormatMM/DD/YYYY HH:MM

Deposit Location The location member where the deposit was submitted.

Deposit Account The name of the account where the deposit was submitted.

Deposit Number An identifier that the system assigns to the deposit. It is unique toyour account, but it might not be a unique number in the system.

Items Total number of checks in the deposit.

Amount A container for Prior Cut Off, After Cut Off, and Total data.

Prior Cut Off Total dollar value of the deposit before the settlement cutofftime.

After Cut Off Total dollar value of the deposit after the settlement cutoff time.

Total Total dollar amount of items in all of the deposits.

Page 36



Client Type Can be:

o Desktop: The deposit was created at a workstation.o Mobile: The deposit was created on a mobile device.

Creating a Daily Deposit Summary Report

You can generate a Daily Deposit Summary report, and then download it or print it for yourrecords. You can generate the report for all deposits on a specified date within the last 18months.

1. Click Reports.

2. Click Daily Deposit Summary.


The Daily Deposit Summary report appears in Internet Explorer.

4. Download a copy of the Daily Deposit Summary report.


b. Click Download.


c. Click Save.

The Save As dialog box appears.


5. Print a copy of the Daily Deposit Summary report.

a. Click Print.

A PDF appears in the Web page Dialog box.

b. Click the printer icon button.

The Print dialog box appears.

c. Click OK.

Page 37


Deposit Report By Date RangeThe Deposit Report By Date Range is used to reconcile deposit information with the financialinstitution or bank. The date range for each report can be no more than 35 days from thelast 18 months. You can access the Deposit Detail Report and Item Detail Report through theDeposit Report By Date Range only.


From/To The date range specified for the report. Format MM/DD/YYYY

Report Date The date the report was generated. Format MM/DD/YYYY


Deposit Account The member name where your Demand Deposit Account (DDA) isconfigured. This field can be blank.

Deposit Date The date that processing was completed for the deposit. Re-presented items appear on the date that processing was completedagain. Format MM/DD/YYYY

Number ofDeposits

The total number of deposits submitted to the deposit account.


Checks for TotalDeposit

Total number of checks in the deposit.

Deposit Total forTotal Deposit

Total dollar amount of all checks in the deposit.

Client Type Can be:

o Desktop: The deposit was created at a workstation.o Mobile: The deposit was created on a mobile device.

Page 38



TOTALOUTSTANDINGDEPOSITS

There are three values.

o The total number of deposits that are received, but have notcompleted successfully for the account.

o The total number of checks in all deposits that are received, buthave not completed successfully for the account.

o The total dollar amount of all checks in all deposits that arereceived, but have not completed successfully for the account.

These deposits will appear in the TOTAL DEPOSITS PROCESSED fieldonce they have completed successfully.

TOTAL DEPOSITSPROCESSED

The total number of deposits that have completed successfully forthe account; the total number of checks in all deposits that havecompleted successfully for the account; and the total dollar amountof all checks in all deposits that have completed successfully for theaccount.

Creating a Deposit Report By Date Range

You can generate a Deposit Report By Date Range, and then download it or print it for yourrecords. You can generate the report for a range of up to 35 days from within the last 18months.

1. Click Reports.

2. Click Deposit Report By Date Range.

3. Enter a date in the Start Date field.

4. Enter a date in the End Date field, and then click OK.

The Deposit Report By Date Range report appears in Internet Explorer.

Page 39


5. Download a copy of the Deposit Report By Date Range.


b. Click Download.


c. Click Save.



6. Print a copy of the Deposit Report By Date Range.

a. Click Print.




c. Click OK.

Deposit Detail ReportThe Deposit Detail report lists data for the selected deposit on a specified date. Access theDeposit Detail Report from the Deposit Report By Date Range page. The Item Detail Reportis available on the Deposit Detail Report page.



Deposit Date The date and time that processing was completed for the deposit. Re-presented items appear on the date that processing was completedagain. Format MM/DD/YYYY HH:MM AM/PM

Page 40



Status Current submission status of the deposit.

o Processing: Deposit processing in progress.o Processed: The deposit has been successfully processed.o Error: The deposit has been rejected. Contact your administrator.


Deposit Account The member name where your Demand Deposit Account (DDA) isconfigured. This field can be blank.

Submit Date The date and time the deposit began to transfer. FormatMM/DD/YYYY HH:MM AM/PM

Report Date The date and time the report was generated. Format MM/DD/YYYYHH:MM AM/PM

Payor The name or identification of the person or organization who madethe payment by check.

Reference Identifier that links the check to the payor account; typically this is aninvoice number.

Amount Total dollar amount of each check in the deposit.

Item Ref. No. A number that is generated automatically and assigned to eachcheck. It is unique in the system.

Check Number A number that identifies a particular check from an account at afinancial institution. It is part of the data printed at the bottom of thecheck. It might not be unique in the system.

Client Type Can be:

o Desktop: The item was created at a workstation.o Mobile: The item was created on a mobile device.


Creating a Deposit Detail Report

1. Click Reports.

2. Click Deposit Detail Report.

Page 41





You can generate a Deposit Report By Date Range for a range up to 35 days thatoccurred up to 18 months in the past.

The Deposit Report By Date Range report appears in Internet Explorer.

6. Find the deposit that you want to create a Deposit Detail report for, and then click onthe deposit number link.

The Deposit Detail Report displays in Internet Explorer.

7. Download a copy of the Deposit Detail Report.


b. Click Download.


c. Click Save.



8. Print a copy of the Deposit Detail Report.

a. Click Print.


b. Click the print button.


c. Click OK.

Item Detail reportThe Item Detail report provides the image of a check and data about it. Check imagesappear only if you have permission to view them.

Page 42


Access the Item Detail report from the Deposit Detail report page or the Return Detailreport page.

Report data Description

Member ID An identifier that is automatically generated and assigned toeach account, or member, where checks or deposits are sent. Itis unique in the system.

Member The name of the account to which deposits are sent. Eachaccount, or member, is assigned a Member ID.

Deposit date Date that the deposit was created on the Client application. Re-presented items appear on the date that they were resubmitted.Format MM/DD/YYYY

DCN Deposit control number. An identifier that is automaticallygenerated and assigned to each batch. It is unique to themember, but it might not be unique in the system.

Client Type Can be:

o Desktop: The item was uploaded at a workstation.o Mobile: The item was uploaded on a mobile device.

IRN Item reference number. An identifier that is automaticallygenerated and assigned to each item. It is unique in the system.

Deposit ID An identifier that is generated automatically and assigned toeach deposit. It is unique in the system.

BCN Batch control number. This field might appear blank or displaythe same information as the DCN. It is not applicable to theClient application.

Batch ID An identifier that is automatically generated and assigned toeach deposit. It is unique in the system.

Check Amount Total dollar amount of the check.

Page 43


Report data Description

Bank # A number that identifies the financial institution that issued thecheck. It is part of the data printed at the bottom of the check. Itmight not be unique in the system.

Account # A number that identifies a particular account from the financialinstitution that issued the check. It is part of the check dataprinted at the bottom of the check. It might not be unique in thesystem.

Check # A number that identifies a particular check from an account at afinancial institution. It is part of the data printed at the bottom ofthe check. It might not be unique in the system.

Item Type Indicates the type of item, either CHECK or REMIT.

Secondary ID Identifier that links the check to the payor account; typically thisis an invoice number.

Check Image Images of the front and back of the check.

Generating an Item Detail Report

You can generate an Item Detail report, and then download it or print it. You can generatethe report for a range of up to 35 days from within the last 18 months.

1. Click Reports.

2. Click Deposit Report By Date Range.


4. Enter a date in the Start Date field, enter a date in the End Date field, and then clickOK

The Deposit Report By Date Range report appears.

5. Find the deposit that you want to create a Deposit Detail report for, and then click thedeposit number link.

The Deposit Detail Report appears.

Page 44


6. Find the item that you want to create an Item Detail report for, and then click theimage number link.

The Item Detail Report appears.

7. Download a copy of the Item Detail Report.


b. Click Download.


c. Click Save.



8. Print a copy of the Deposit Detail Report.

a. Click Print.

A PDF appears in the Webpage Dialog box.



c. Click OK.

Return Detail ReportOnly users with the proper permission can create a Return Detail report.

The Return Detail report provides a list of all checks returned during a range of up to 35 daysfrom within the last 18 months. The report is organized first by Account Name, and thenchronologically by Effective Date.


From/To The date range specified for the report. The default date range isthe last 35 days. Format MM/DD/YYYY

Report Date The date and time the report was generated. Format MM/DD/YYHH:MM AM/PM

Page 45



Total Items The total number of items returned.


Deposit Account The member name where your Demand Deposit Account (DDA)is configured. This field can be blank.

Effective Date The date when the money was debited from the merchant whosent the original deposit. Format MM/DD/YYYY

Return Ref. No. A number generated automatically and assigned to eachreturned check. It is unique in the system.

Return Reason The reason the check was returned.

Deposit Date The date that processing was completed for the original deposit.Format MM/DD/YYYY

Check Number A number that identifies a particular check from an account at afinancial institution. It is part of the data printed at the bottom ofthe check. It might not be unique in the system.

Amount Total dollar amount of the check and any applicable service fees.

Item Ref. No. Item reference number. A number that is generatedautomatically and assigned to each check. It is unique in thesystem.

Account Sub-Total The total dollar amount of returned checks and any applicableservice fees for the member name where your Demand DepositAccount (DDA) is configured.

Return Total The total dollar amount of all checks returned and any applicableservice fees for the member name where your Demand DepositAccount (DDA) is configured.

Creating a Return Detail Report

You can generate a Return Detail report, and then download it, or print it for your records.You can generate the report for a range of up to 35 days from within the last 18 months.

Page 46


1. Click Reports.

2. Click Return Detail Report.



The Return Detail report appears in Internet Explorer.

5. To download a copy of the Return Detail report, perform the required steps.


b. Click Download.


c. Click Save.



6. To print a copy of the Return Detail report, perform the required steps.

a. Click Print.

A PDF appears in the Webpage Dialog box.



c. Click OK.

Page 47

RDC Business User Guide Glossary

Glossary

account

The member node to which you send check deposits.

ACH

Automated Clearing House. It is an electronic network for financial transactions in the UnitedStates that processes large volumes of both credit and debit transactions. Rules andregulations governing the ACH network are established by NACHA and the Federal Reserve.

ANSI

American National Standards Institute.

ARC

Accounts Receivable Conversion. The standard ACH entry code for Accounts Receivablecheck transactions. Under NACHA rules, a paper check that a consumer (check writer) mailsto a biller’s remit or lock box location, or delivers to a drop box location, may be convertedinto an ACH debit. At the remit location, the biller electronically captures paymentinformation, including the routing number and account number.

Once a check is scanned and processed, the biller must destroy the check within 14 days andretain a copy (not original) for at least two years after the transaction date. The check writeris not present while the check is scanned. The payment information is then used to create ane-check to the consumer’s account. As of June 11, 2004, a biller must provide its customerswith the ability to opt-out of having their checks processed through the ACH network.

associate item

The images and data related to a single piece of paper that does not contain any informationnecessary for processing a transaction. For example, a customer change of address slip(includes back image, if captured).

auto-feed scanning mode

A scanning mode in which the scanner automatically pulls documents from the feeder.Typically used for batch feeding operations; however, can be used for single feeding as well.

Page 48


The scanner is typically not made active until documents are inserted into the feeder.

bank

Any depository financial institution, including a national bank, a state bank, a federal or statesavings bank, a credit union, or a savings association.

bank routing number

A nine-digit number (eight digits and a check digit) that identifies a specific financialinstitution. Also known as a transit/routing number.

batch

A group of checks (and, optionally, remittances, virtual remittances and/or generaldocuments) that are considered a single unit for the purpose of data processing. A batch cancontain multiple transactions, and a deposit can contain multiple batches. There is a limit of1,000 items per batch.

BCN

Batch control number. An identifier that is assigned to each batch. It is unique to themember, but it might not be unique in the system.

BCT

Batch Control Total. The total dollar amount of checks in a batch.

blocks

ITMS decisioning filter that prevents particular account numbers or bank numbers frombeing processed. Also known as MICR Account Blocks. This applies to ACH processing only.

BOFD

Bank of First Deposit. A bank that accepts a check for deposit from a customer. It is also theinstitution to which a check would be returned if the check is not paid. Also known asdepositary bank.

Canadian Payments Association

The Canadian Payments Association operates national clearing and settlement systems thatfacilitate the flow of funds between institutions, and mitigates risk to payment systemparticipants. The ITMS Deposit application adheres to the Canadian Payments Association

Page 49


Standard 006 Specifications for MICR-Encoded Payment Items when it parses Canadian check MICR codelines.

CAR

Courtesy Amount Recognition or Read. The ability to locate, analyze, and recognize handwritten or machine-printed amounts on documents. For example, $48.24.

centralized configuration

A part of the ITMS administration module. Centralized Configuration options define how checks are scanned and processed for ITMS Deposit applications. In Administration: under the CLIENT heading, click Management, open the Configuration tab, and select a version of RDC Treasury or RDC Business.

check

A demand instrument used to transfer funds from a payer to a payee. Also called a draft or an item.

check amount

The dollar amount of a check.

check digit

The final character of a routing number that may be used to test the validity of a specific routing number.

check image

An electronic or digital image of a check that is created by a depositor, a bank, or another participant in the check collection process. Check images can be exchanged electronically by banks, printed for customer statement purposes, displayed on Internet banking web sites, and used to create substitute checks.

check truncation

The conversion of a check to an electronic debit or image of the check by someone in the payment system other than the paying bank (that is, the bank that pays the check, or the bank of the customer who wrote the check). The transaction may be governed by check law or by electronic banking law.

Page 50


Client application

Also called Deposit application. Client applications are the scanning applications, such as RDC Treasury, that let ITMS users scan checks, enter data, and so on. Client applications provide an interface to a check scanner. Mobile client applications use the camera on a phone or tablet to scan images.

collecting bank

An institution that attempts to collect payment of a check. It can be either the bank of deposit or a subsequent collecting bank, such as a Federal Reserve Bank.

coupon

An item that contains information necessary for processing a payment transaction. For example, a utility bill. Also known as a remittance.

CSV

Comma separated value. A file type commonly used to transfer data from one database to another.

Data Intelligence

ITMS reports that contain item data in CSV, XML, or another machine-readable custom format. These reports are also called data feeds.

DCN

Deposit Control Number. An identifier that is automatically generated and assigned to each deposit. It is unique to the member, but it might not be unique in the system.

DCT

Deposit control total. The total dollar amount of all checks in the deposit.

decisioning

A process that determines whether an item is eligible for ACH processing. If the item is not eligible, specific routing rules are applied to determine alternative processing methods, such as Original Paper Deposit or Reproduced Paper, or not at all, as in a Stopped account. The following decisioning types are defined through the Dynamic Decisioning Portal on ITMS.

Page 51


o Rules: Determines the eligibility of a transaction based on check amount, type, ornumber.

o Blocks: Prevents particular account numbers or bank numbers from being processedas ACH transactions.

o Stops: Identifies a particular account or bank for which transactions will be refusedfor processing as Original Paper Deposit, ACH, or Reproduced Paper.

o Opt-Outs: A consumer account that has chosen not to have their check processed asan ACH transaction.

o ACHables: Items from a specified bank number that is eligible for ACH processing.

deposit

A group of batches sent to ITMS as a single transmission.

Deposit application

Also called Client application. Deposit applications are the scanning applications, such as RDC Treasury, that let ITMS users scan checks, enter check data, and so on. Deposit applications provide an interface to a check scanner. Mobile deposit applications use the camera on a phone to scan images.

deposit ticket

A receipt that accompanies a bank deposit that specifies and categorizes the deposit funds. Sometimes referred to as a deposit slip.

document

The physical piece of paper, or the images and data related to a single piece of paper, which might include the back image, if it was captured. For example, a check or remit. Also called an item.

DPM

Documents per minute. A speed measurement for scanner hardware.

duplicate check

The detection of two scanned checks in the system whose check bank account information is identical.

Page 52


ECC

Electronic Check Conversion. The process of scanning and electronically transmitting theMICR line of a check from the POS to the paying bank for settlement. Converted checks arerouted through the collecting bank to the ACH system and on to the paying bank.

electronic check

The term that refers to several types of electronic transactions: ACH-based electronic check,electronic network electronic check, and Internet- or telephone-initiated payment.

electronic endorsement

A system for applying a franking endorsement to an electronic image of a bank check. Alsoknown as virtual endorsement.

endorsement

A signature or stamp on a cash item by the payee, depository bank, or collecting bank.

endpoint

The destination for presentment of a check (the paying bank for forward collection, or thebank of first deposit for a returned check).

EPC

External Processing Code. A number placed in Position 44, just before the ABA routingnumber, of the MICR line. Check 21 and the proposed Federal Reserve regulations requirechanges to the EPC field for processing substitute checks.

Whenever a substitute check is created, a 4 is always printed in the EPC field. ANSI X9.90requires that a 4 be placed in the EPC position identifying a substitute check. On an originalcheck, Position 44 is generally left blank for forward collection. When a substitute check iscreated to return the check to the depositor, the substitute check will have a 4 in the EPCfield. This holds true when an image of an unpaid check is returned to the bank of firstdeposit or a substitute check is created and sent back to the depositor of the original item.

A 2 is placed on a qualified return strip or carrier document if the item is an original checkbeing sent as a qualified return. ANSI X9.90 requires that a 5 be placed in the EPC positionfor qualified returns of a substitute check. In that return process, a 5 is placed in position 44on the qualified return strip, carrier document or perforated slip attached to the substitutecheck.

Page 53


FI

Financial Institution. Refers to a bank, credit union or other organization that providesfinancial services.

FI node

The Customer node in the ITMS hierarchy that is configured for a settlement channel.

FRB

Federal Reserve Bank.

full-page document

A back or front document image with both a height and width that exceeds 5.0 inches.

general document

A non-financial document, such as a contract, envelope, or application form.

handdrop scanning mode

A scanning mode in which the scanner is always “open” and immediately scans an item thatis inserted into the handdrop mechanism. Typically used for single-feed operation. Thescanner is typically made active prior to inserting the item by user interaction with thesoftware. Not all scanners support handdrop mode.

Host

The part of ITMS that is not a client application.

ICR

Intelligent Character Recognition.

image

The front or back electronic representation of a scanned check. A check is alwaysrepresented by two images, the front and back.

image capture

A document is passed through a check scanner device, which can be connected to a point-of-sale (POS terminal), computer, Electronic Cash Register, server, or other device. The scanner

Page 54


captures the image and any MICR or OCR data in the document. The MICR or OCRinformation is transmitted to the peripheral device, where it is processed accordingly.

image storage

Captured images and their associated MICR/OCR data are sent to ITMS for storage.

In Progress batch status

A user or process is currently processing the batch, and possibly changing data. No otheruser or process can access the batch during this time.

IQA

Image Quality Assurance. Tests performed on the check image to validate the check forpotential image defects and usability problems.

IRD

Image Replacement Document. Also known as a substitute check. A paper reproduction ofthe original check that:

o Contains an image of the front and back of the original check.

o Bears a MICR line containing all the information appearing on the MICR line of theoriginal check, except as provided under generally applicable industry standards forsubstitute checks to facilitate the processing of substitute checks (regulations maycontain exceptions).

o Conforms, in paper stock, dimension, and otherwise, with generally applicableindustry standards for substitute checks.

o Is suitable for automated processing in the same manner as the original check.

IRN

Item Reference Number. An identifier that is automatically generated and assigned to eachitem. It is unique in the ITMS system.

ISN

Item Sequence Number. An item identifier assigned by the institution presenting to ITMS.

item

Checks, remittances, general documents, or virtual remittances.

Page 55


ITMS

RDM Image & Transaction Management System.

LAR

Legal Amount Recognition. The recognition of the word representation of a check amountsuch as "forty-eight and 24/100 dollars".

member

Organizational units, such as companies, merchants, stores, terminals, or groups, thatdescribe each point of transaction capture that transmits data to the system.

member hierarchy

The ITMS hierarchy includes members and users. Users are people who access the ITMSsystem to manage or view a particular member’s data.

merchant

An entity that receives and processes payments in exchange for the sale of goods andservices.

Merchant node

The merchant member node in the ITMS hierarchy that is configured for a billing account.

MICR

Magnetic Ink Character Recognition. The characters on the bottom line on the face of apaper check that contains the routing or transit number of the financial institution the checkis drawn on, the account number of the drawee (Receiver) and the check number, all printedin machine readable magnetic ink in a font devised for check reading.

MICR reader/imager

A scanner.

multi-merchant

In a distributed-location environment, multiple merchant locations enable batch processingfor more than one merchant or location on the same Client workstation.

Page 56


NACHA

The Electronic Payments Association, formerly the National Automated Clearing HouseAssociation. NACHA is an organization in the United States that develops operating rules andbusiness practices for the Automated Clearing House (ACH) Network and for electronicpayments in the areas of Internet commerce, electronic bill and invoice presentment andpayment (EBPP, EIPP), e-checks, financial electronic data interchange (EDI), internationalpayments, and electronic benefit transfer (EBT). For more information, go towww.nacha.org.

OCR/ICR

Optical Character Recognition/Intelligent Character Recognition. Recognition of specialgraphic characters and fonts printed on documents, using optical reading technologies. OCRcharacters are easily read by the human eye and are the most common type of characterused in remit processing.

Offline SCM

A package of files that allows you to manually install Scanner Control Manager componentsto your workstation without logging into an application. This software also allowsadministrators to install SCM components to user workstations in silent mode. Also known asThickCab.

On-Us field

The MICR print band area between the closing amount symbol and the opening routingsymbol. Arrangement of the On-Us symbol is variable, specified by the financial institutionon which the check is written. It may include such information as the user's account number,a consecutive number, and a transaction or processing code.

OPD

Original Paper Deposit. Checks that are marked OPD can't be deposited remotely: theoriginal paper check must be taken to a bank. You can mark a check OPD by selecting theoption "Deposit at Bank" on the Image Quality Analysis error dialog box. Sometimes ITMSwill mark a check OPD if there is an internal error.

opt-out

A consumer account that has chosen not to have their check processed as an ACHtransaction. This applies to ACH processing only.

Page 57


original check

The first paper check issued with respect to a particular payment transaction.

owner code

A unique ID that is assigned to each member node in the hierarchy. It associates data that iscaptured remotely to a specific member in the ITMS hierarchy.

password profiles

A set of properties that define requirements for ITMS passwords, including password length,history depth, lockout threshold and duration, and complexity.

payee

The party to whom a check is made payable.

payer

A person or organization that makes a payment. Also spelled payor.

Payer Lookup

When a check or remit is scanned, the check MICR line or remit account numberinformation is compared to data in the ITMS database. If there is a match to existing payerinformation, data entry fields are automatically filled in with the corresponding data. PayerLookup information is uploaded to ITMS and downloaded by the Deposit application.

permissions

The ability to perform certain functions in a Deposit application.

POP

Point-of-Purchase. It is the standard ACH entry code for Point-Of-Purchase checktransactions. At the payment location, the payment information is electronically captured,including the routing number and account number. The payment information is then used tocreate an e-check to the consumer’s account. POP transactions are processed with the checkwriter present.

The check writer must authorize the ACH transaction by signing a receipt. The biller mustretain the authorization receipt signed by the check writer for a period of two years from the

Page 58


transaction date. The check writer must be provided with the scanned, voided check and a receipt of the transaction.

RDC Deposit

A web-based software application that provides a simple, quick way to remotely deposit checks using a scanner.

RDC Mobile

A mobile app that provides a simple, quick way to remotely deposit checks using the camera on an iPhone or Android device.

reference number

A number that links the check to the payer account. Often filled with an invoice number or remit number.

remit, remittance

An item that contains information necessary for processing a payment transaction. For example, a utility bill. Also known as a remittance stub or remittance coupon.

remittance account number

A consumer account number assigned by a billing organization in order to identify the consumer.

roles

Groups of permissions that are assigned to users. In ITMS, permissions are not assigned to users directly. Groups of permissions are collected in roles, and the role is assigned to users.

RP

Reproduced paper. A substitute check, IRD, or paper draft created from electronic transaction information.

routing number

A nine-digit number (eight digits and a check digit) that identifies a specific financial institution. Also known as a transit/routing number and bank routing number.

Page 59


RTF

Rich text format. A file format that contains basic text formatting options, such as font and margins.

rules

ITMS decisioning filters that determine the eligibility of a transaction based on check amount, type, or number. Also known as ACH Eligibility Rules. This applies to ACH processing only.

scanner

A device that digitally captures an image of a check and magnetically reads the MICR code line located on the bottom of a check..

SCM

Scanner Control Manager. ITMS software that allows the system to control a check scanner and allows the workstation to transfer data and images acquired from the scanner.

settlement

A transfer of funds between two parties (in cash, negotiable items or on the books of a mutual depository) to complete one or more prior transactions and made subject to final accounting. Settlement for the ACH Network occurs through the Federal Reserve Bank, with the exchange of funds occurring on settlement day.

settlement date

The date when an exchange of funds with respect to an entry or entries appears on the books of the Federal Reserve Bank.

SSO

Single Sign-On. A process that allows a user to sign in to their bank and then not need to sign in to ITMS.

stops

Identifies a particular account or bank for which transactions will be refused for processing as Original Paper Deposit, ACH, or Reproduced Paper. Also known as Biller Stops.

Page 60


transaction

A record of data containing sufficient information to initiate settlement processing. Therecan be multiple transactions in a batch and multiple batches in a deposit.

transaction profile

A configuration that determines how items, such as checks and remits, are processed duringa transaction. Transaction profiles are provided as a way to reduce error during processing.For example, you can specify the profile that a transaction must only contain a single remitfollowed by a single check.

transaction source

A node in the ITMS Host hierarchy configured to receive uploaded deposit data.

transit

Non-On-Us checks that are drawn on other financial institutions.

transit/routing number

A nine-digit number (eight digits and a check digit) in the MICR line of a check that identifiesa specific financial institution. Also known as a bank routing number.

TRN

Transaction Reference Number.

virtual endorsement

A system for applying a franking endorsement to an electronic image of a bank check. Alsoknown as electronic endorsement.

virtual remit

An electronically-inserted item that contains information for processing a paymenttransaction. It is useful, for example, if you normally include a remit in a transaction, but youare missing a physical remit.

workstation

The computer on which you use the Deposit application. Your workstation must have aconnection to the Internet.

Page 61