Innovative technology meets advanced features for superior user functionality.

Finally, a deposit processing solution designed with your credit union in mind. Meet the next-generation deposit capture platform, stacked with intuitive, time-saving features and frontline fraud protection that lets you select deposit processing services that are right for your credit union. Corporate One uses TranzCapture LLC, a credit union service organization, for all its item processing services. TranzCapture streamlines work through its web-based platform that offers consolidated administration and processing.

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The Branch Capture service lets you scan and electronically transmit check images for processing from one or two centrally based workstations within a branch. TranzCapture verifies the image quality, reads the item amount, and securely transmits the image and data file for processing, image archival and check collection.

Benefits:

  • All check collection and settlement activity are consolidated in one place
  • Minimal keying is required of your staff because missing account and check numbers are entered into the system for you
  • System features mitigate operational and fraud risks, such as limiting unnecessary adjustments and/or losses due to duplicate detection
  • Administrative controls offer staff additional levels of research and greater insight into the item processing process

Features:

  • Move scanners from one machine to another with minimal effort
  • Scan items cleared over the counter as “image only” and archive for online access
  • Administration module displays deposit activity by teller, branch and number of items
  • Submit and track adjustment requests online
  • Capture and archive foreign item images
  • Savings bonds image collection
  • Real-time detection of duplicate items and batches
  • Optional real-time and/or next-day fraud protection across all deposit channels (different thresholds can be set for each channel)

Teller Capture offers real-time processing at each teller window, to reduce fraud, resolve potential errors and eliminate time-consuming batch processing at the end of the day.

Benefits:

  • Resolve potential errors while members are still present
  • Eliminate time-consuming batch processing at the end of the day
  • Expedite processing for staff (no lines in back office) and members

Features:

  • Adjustable daily cut-off times can be set by branch
  • Expedite research by associating the depositing member’s account number with each deposit
  • Administration module displays deposit activity by teller, branch and number of items
  • Real-time and/or next-day fraud protection is optional across all deposit channels (different thresholds can be set for each channel)

Integrate your existing mobile banking app to push your members’ mobile check deposits directly into TranzCapture for end-to-end convenience with Mobile Capture.

Benefits:

  • End-to-end processing convenience:

    • Items are located in one image archive
    • Batches may be viewed and items modified or deleted throughout the day
    • The Batch Summary Report lists batch detail, such as on-us items, shared branching items, etc.
  • Increased settings allow more control over on-us, on-us override, fraud protection, and duplicates
  • Users can view and make decisions on items that are suspended based on predefined criteria that include duplicate items, missing signature, missing endorsement, or EWS notifications

Features:

  • Integration is available with more than 20 mobile banking providers
  • Image quality determination is immediate
  • Robust reporting includes check images
  • Create posting files, which eliminates the need for your credit union’s staff to manually post credits to members’ accounts
  • Mitigation features allow you to set up groups for common review criteria, such as batch count, batch amount, daily count, daily amount, single amount and scan limit
  • Set parameters during implementation for a range of variables and update them at any time
  • Real-time and/or next-day fraud protection is optional across all deposit channels (different thresholds can be set for each channel)

Through an API integration with your existing ATM/ITM/Intelligent Kiosk partner, you can easily push members' check deposits directly into TranzCapture, keeping all deposited items together. You can automate deposits, reduce manual processes and improve accuracy.

Benefits:

  • Increase member convenience with decreased branch traffic costs
  • Consolidate back-office reporting and research
  • Integrations are in place with select versions of Diebold and NCR ATMs, Glory Intelligent Kiosks and NCR ITMs

Features:

  • Direct access to the ATM/ITM API eliminates the need to purchase and install expensive consolidation software and hardware
  • Images are captured directly into the TranzCapture system with no back-office staff to balance and create outgoing X9 files for collection
  • Automated secure image files are transmitted for real-time processing
  • System provides configuration management features to assign and approve deposit limits online within the TranzCapture platform
  • Enjoy expedited processing and collection
  • Enhanced risk-mitigation features include flexible deposit review settings for location, batch count, batch amount and single item amount
  • Real-time detection of duplicate items and batches is provided
  • Real-time and/or next-day fraud protection is optional across all deposit channels (different thresholds can be set for each channel)

Business Capture is a convenient, self-service deposit option your business members can use to capture check images remotely and transmit directly to your credit union. You can then review, modify or delete items/batches before they are processed. Less time running into the branch and quicker access to funds offers business members the convenience and flexibility they need for success.

Benefits:

  • Eliminate missed deposit deadlines for same-day credit that many businesses face as a result of time constraints, traffic or other business-day delays
  • Address the obstacles of limited branches, making it easier for small businesses, sponsor groups and select employee groups (SEGs) to use a credit union
  • Consolidate all deposit activity for your credit union
  • Increase your credit union’s commercial deposits

Features:

  • Our software is web-based. Other than a scanner driver, there is no desktop software to install at member businesses
  • Credit-union managed settings include business name and location, business users and permissions (scan batch, search, reports), and business review limits, including batch count, batch amount, daily count, daily amount, single amount
  • Create posting files, which eliminates the need for staff to manually post credits to their members’ accounts
  • Online deposit history includes images that are available to the member business
  • Flexible risk mitigation allows credit unions to control item review parameters for a range of variables and update them at any time
  • Times may be set for automatic generation of posting files
  • Real-time detection of duplicate items and batches.
  • Real-time and/or next-day fraud protection is optional across all deposit channels (different thresholds can be set for each channel)

Regardless of which vendor is capturing images of your deposits, you can still conveniently consolidate all your items into TranzCapture with Image Clear. We accept all ATM, ITM, Merchant, Mobile and Branch Capture x9 files.

Benefits:

  • Reduce staff time related to research and reconciliation
  • Realize operational efficiencies with items located in one place
  • Reduce fraud with fraud protection options

Features:

  • Real-time and/or next-day fraud protection is optional across all deposit channels (different thresholds can be set for each channel)
  • Enhanced capabilities allow for managing items, data and reports
  • In conjunction with Image Clear, Corporate One provides a secure copy service (SFTP) that allows credit unions or their vendors to place Image Clear files on our server

Two optional solutions that integrate within TranzCapture allow credit unions to build an effective fraud prevention strategy for their check deposit services across all deposit channels.

Benefits:

Credit unions can choose the real-time service or the batch service:

  • Real time: Advanced Fraud SolutionsSM TrueChecks® for real time analyzes account-level historical data from thousands of contributing financial institutions to interdict fraudulent deposits before they hit the bottom line. Optional: Add Early Warning® real-time Deposit Chek® Service to AFS TrueChecks  for added protection.
  • Early Warning Deposit Chek for batch provides advanced notification of high-risk deposits and return items to credit unions in the Return Notification Report at the beginning of the next business day.
  • Enhanced risk mitigation and early fraud-detection capabilities allow credit union resources to be focused elsewhere.
  • Realize substantial cost savings by quickly identifying fraudulent checks.

Features:

  • Risk management: Identifies high risk deposit and return items by comparing items to TrueChecks’ and/or Early Warning's database.
  • Customized risk-review settings: A review queue allows tellers to set aside items for additional evaluation. Credit unions may elect to review all deposited items, no items, or items above specific dollar amounts, from new accounts and other criteria established during implementation
  • Warning code validation: Validation and explanation of approximately 60 high-risk, medium-risk and low-risk warning codes. Approximately 30 return reasons explain why items are being returned, such as insufficient funds, stop payments, missing endorsement, missing signature, counterfeit item.
  • Deposit channels: Enables one or all deposit channels through TranzCapture, Corporate One’s deposit item processing platform.
  • Administrator controls: Credit union-level control over: Individual dollar thresholds for each deposit channel and when to place member accounts on hold when a risk notification is received.

Deposit Return Services can enhance your remote deposit capture solution by enabling timely access to deposit returns, faster decisioning on which items to redeposit or chargeback and access comprehensive reporting. And, with the changes to Reg. CC as a result of the implementation of Dodd-Frank legislation, Deposit Return Services provide an increasing value to credit unions that face shortened hold times and increased availability. Credit unions can choose from Automatic Redeposit or Chargebacks-Only options.

Benefits:

  • Get quicker receipt of deposit item returns for your members
  • Reduce exposure for your credit union
  • Optimize operational efficiencies through a streamlined workflow
  • Reduce staff time related to manually redepositing items
  • Get convenient online access to archived return images for seven years

AUTOMATIC REDEPOSIT OPTIONS
Credit unions processing larger volumes of return items may benefit from two options when it comes to automatic redeposit: Redeposit all items with return reason code of NSF or set up a predefined threshold.

Features:

  • Automated decisioning of chargebacks using images and default thresholds further reduces manual tasks  
  • Powerful search capabilities include a seven-year image archive interface with reporting capabilities.  
  • Control systems feature secure role-based-access.
  • Online access to chargeback images is provided.

Contact us to learn more about Remote Deposit Capture