Overview

Clients can bring checks to the Interactive Teller Machine (ITM) to be applied as both deposits and payments. The following account types can accept check deposit/payments:

• Deposits
  • CDs 
  • Checking/MMA
  • Savings Club
  • Savings
• Payments 
  • Loans
  • Skip-A-Pay Fees
  • Safe Deposit Box rents

You must select the correct Account Type when completing these transactions, as this determines whether or not the deposit processes correctly.

Check Deposit Procedures

To deposit checks to client accounts, do the following:

1. Press F6 to open the check acceptor.
2. Direct the client to insert ALL check(s), up to 30 at one time.
3. Obtain the client's account information.
4. Verify the name on the check matches the name on the account. 
   • If the name on the check does not match the name on the account, return the check by clicking Reject. (See the Rejecting a Check tab for more information.)
   • If you feel there is cause for a possible exception, consult with the Virtual Banking Manager or Coordinator before accepting the check. 
5. Ensure that the check has been properly endorsed. 
   • If it has not been, Reject the check.
6. In the Check Amount field, enter the amount from the legal line on the check. 
7. From the Account Type drop-down menu, choose the corresponding source code.
8. In the Account Number field, enter the account number.
9. Click Accept. 
   • Note: For multiple checks, TellerNow! automatically advances to the next check after you click Accept.
10. Ask the client to confirm the transaction information on screen is correct.
    • Note: If you or the client notice there is an error, it can be corrected before posting the transaction. For more information, see Editing a Transaction.  
11. STOP!
12. Fully complete the transaction in Teller Processing!
    • See Xperience Teller Deposit and Check Cashing Screens for instructions on completing the Vertex transaction.
13. To put the checks away, click Done. 
    • Note: Once checks are put away they can not be returned. It is imperative to complete the transaction in Vertex, making sure to read all messages before clicking Done in TellerNow!
14. If the client has more than one batch of checks, repeat steps 1-9 for each batch.
    • After accepting each check in the batch, click Done to put them away.
    • The Virtual Banker can check the account messages in Xperience prior to putting away the first batch. They should also be extra careful checking the required elements on each item prior to pocketing anything. Remember, once checks are put away they can not be returned to the client.
15. Post the transaction.

Rejecting a Check

There are times when an item will need to be returned to the client. (For example: a client sent in a deposit slip with their checks, the check is improperly endorsed, or  the VB suspects the check might be fraudulent.) As long as the Virtual Banker has not clicked Done in the TellerNow! Check Deposit window, those items can be sent back.

To reject a check (return a check to the client), do the following:

1. In the Check Deposit screen, click Reject. 
2. Process any remaining checks. 
3. Click Done. 
4. The ITM takes in the accepted checks and returns the rejected checks. 

Note: Checks cannot be returned to the client after they have been pocketed (taken into the machine).

Cash Back from A Check

Client's can request to get cash back from a check they are depositing. 

To give the client cash back, do the following:

1. To scan the client’s ID, click Verify. 
2. From the drop-down menu, click Scan ID.
3. Verify that the name on the ID matches the name on the check. 
4. Click Accept. 
5. In the Cash Back field, enter the amount of cash back. 
   • Note: If more than one account is used for multiple check deposits, select the account that is receiving cash back from the drop-down menu next to the Cash Back field. You can click the plus button  to add another line if cash back comes from more than one account.
6. Click Done. 
7. Verify the totals on screen with the client.
   • Note: If you or the client notice there is an error, it can be corrected before posting the transaction. For more information, see Editing a Transaction. 
8. Click Post. (See Posting in TellerNow! for information on completing the transaction.)

Editing a MICR Line

If the machine cannot read the Magnetic Ink Character Recognition (MICR) line at the bottom of a check, an indicator appears next to the MICR line box in the Check Deposit window. 

Note: Use extreme caution when editing a MICR line. MICR lines are printed with a magnetic ink and font designed specifically to be legible to by check readers within bank equipment. If the ITM does not present a complete MICR line when it images the checks, this can indicate a fraudulent item is being presented!

If you feel secure the item is legitimate and the check passes all other security requirements, follow the instructions below to edit the MICR line:

1. Click Edit. 
2. Correct the code where question marks appear.
3. Click Done.