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Value Proposition

Since the passing of the Check 21 law in 2004, there has been an explosion in electronic payments, with one of the leading solutions being remote deposit capture (RDC), which captures digital images of items so they can be electronically processed for forward cash collection. Corporate One’s RDC solutions for both branch and merchant capture are effective solutions that will allow your credit union to maximize the benefits of RDC for significant time and cost savings. Along with this offering, your credit union can benefit from our ultimate cash management solution, The One Account.

Deposit Return Services

“The fast notification on returned items is fantastic. The product is very user friendly and the training provided was very useful. Because of the fast turnaround on returned checks, I no longer worry as much about our credit union suffering a loss. I am very happy with the service.”

Susan Cantrell, Manager of First Coast Federal Credit Union in Jacksonville, FL

As an addition to our Remote Deposit Capture Solutions, Corporate One offers Deposit Return Services. Deposit Return Services replace paper chargebacks and implement an electronic deposit return chargeback solution using image exchange, offering many of the same benefits as other electronically processed items. And, with recent changes to Reg. CC as a result of the implementation of Dodd-Frank legislation, Deposit Return Services provides an increasing value to credit unions who now face shortened hold times and increased availability. Corporate One’s Deposit Return Services offers credit unions two options, the Basic Model and the Decisioning Model.


Decisioning Model

Credit unions processing larger volumes of return items may benefit from the Decisioning Model that offers built-in decision functionality and automatic redeposit, which can be customized based on predefined dollar thresholds.

  • Automates decisioning of chargebacks using images and default thresholds, further reducing manual tasks
  • Easy-to-use Web-based interface requires no software installation
  • Powerful search capabilities and a seven-year image archive interface, with reporting capabilities
  • Secure role-based access control system
  • Online access to chargeback images

Basic Model

With the Basic Model credit unions receive a daily email from Corporate One with a PDF file of their chargeback items as electronic images.

  • Provides credit union notification when returns are ready for processing
  • Utilizes IRD printing (Provision to print substitute check or photocopy in lieu) with the ability for your credit union to print and present


Special IRD Printer Package
Regulations for the printing of Image Replacement Documents (IRDs) require use of a qualified IRD printer using MICR toner and IRD security paper to print chargebacks.

To make this more cost effective for members, Corporate One offers a printer and start-up package at a group negotiated rate. The start-up package includes MICR toner, IRD security paper and maintenance. And, when such circumstances arise, Corporate One will work with credit unions that have an existing and compatible qualified IRD printer to ensure functionality for Deposit Return Services.

  • Members receive chargebacks quicker thanks to faster receipt of deposit returns - receive items within hours instead of days
  • Earlier delivery of deposit return items avoids potential losses due to expiring holds on deposited checks
  • Reduces paper handling and streamlines incoming return operations using check images instead of paper items for incoming returns
  • Automates previously manual tasks for incoming returns such as balancing, researching, and controlling returned items
  • Eliminates the hassle of transportation delays and saves on courier costs
  • Eliminates risks associated with sending GLBA data via the mail
  • Eliminates errors from manual entry

The One Account

Our easy, competitive, integrated cash management solution has convenient overnight investment options, paying very competitive rates. With The One Account, you’ll have access to a full suite of cash management tools, such as Member$MART, our web-based account management system, making Corporate One the only place you'll need or want for effective cash management.