Deposit capture should not require credit unions to manage a patchwork of systems, vendors, and processes. 

Yet deposits can enter through numerous channels, including branches, teller lines, mobile devices, ATMs, ITMs, kiosks, and business locations. Managing those deposits efficiently requires more than a collection of check-scanning tools. It requires a solution that connects the entire check-processing lifecycle.

Offered by Corporate One, TranzCapture unifies deposit capture, back-office processing, risk management, and extended services in one comprehensive solution built for credit unions. By bringing these capabilities together, the platform reduces operational complexity, simplifies vendor management, and creates a more consistent experience for employees and members.

Many credit unions use TranzCapture every day, but even longtime users may be surprised by everything it can do.

One Platform for the Entire Deposit Experience

Used by 1,700 credit unions, TranzCapture supports deposit channels and check-processing services through one connected platform. Credit unions can use it to manage mobile deposits, teller transactions, self-service channels, business deposits, fraud monitoring, and share draft processing. Bringing these functions together means fewer systems to maintain, vendor relationships to coordinate, and operational handoffs to manage. It also gives employees a more unified way to process deposits, review exceptions, access images, monitor risk, and support members. Built exclusively for credit unions, TranzCapture lets institutions choose the capabilities they need today and add services as they grow.

Here is a closer look at what TranzCapture offers.

Mobile Capture

TranzCapture Mobile Capture gives members a convenient way to deposit checks on the go. With more than 20 integrations and real-time posting, checks move seamlessly through processing, helping credit unions meet members’ digital expectations while allowing employees to focus on more meaningful interactions.

ATM, ITM and Intelligent Kiosk Capture

TranzCapture enables members to deposit checks anytime through image-enabled ATMs, ITMs, and intelligent kiosks. These self-service options provide greater flexibility, reduce branch traffic, and allow employees to focus on interactions that require personalized service.

Teller Capture

TranzCapture Teller Capture integrates with leading core providers to process checks at the teller window while members are present. Real-time processing helps employees address errors immediately, reduce fraud exposure, and eliminate time-consuming end-of-day batch processing.

Branch Capture

TranzCapture Branch Capture allows employees to scan checks at centralized branch workstations and transmit them electronically for processing. This reduces the physical movement of checks and modernizes deposit operations while maintaining a familiar employee workflow.

Business Capture

TranzCapture Business Capture enables business members and select employee groups to scan and submit checks directly for processing, clearing, and collection, reducing the need for branch visits. Credit unions retain control by reviewing, modifying, or deleting items and batches before processing. This convenient service supports members’ daily operations while helping credit unions strengthen business relationships.

Share Draft Processing

TranzCapture extends beyond deposit capture with comprehensive share draft processing. The service consolidates in-clearing, processing, settlement, and liquidity management, allowing credit unions to manage deposit accounts and share drafts through one secure login. Combining these services provides a more efficient, end-to-end approach to check management.

Multiple Layers of Fraud Protection

Efficiency and convenience cannot come at the expense of security. TranzCapture combines duplicate detection and customizable risk-review limits with advanced fraud protection that provides real-time alerts for potentially fraudulent items. These tools help credit unions identify suspicious activity earlier, make informed decisions, and balance member convenience with prudent risk management.

Designed Around Credit Union Needs

TranzCapture reflects how credit unions operate, serve members, and manage check processing. Guided by user feedback, the platform continues to evolve as processing needs change.

For Faith Community United Credit Union, the result is a platform that supports daily operations and risk management.

“TranzCapture is a valuable tool for Faith Community United Credit Union,” said President and CEO Jacqueline Moore. “The platform makes it easy to scan and retrieve check information, verify returned deposits, and utilize fraud detection features, all while reducing the time and effort needed to balance corporate statements.”

More Than You May Realize

TranzCapture brings the check-processing lifecycle together, from capture and real-time processing to fraud detection, clearing, settlement, liquidity management, and reporting. But its real power is not simply what it does. It is what credit unions no longer have to do: manage disconnected systems, coordinate multiple providers, and move work between fragmented processes. With fewer handoffs and more capabilities in one environment, employees can spend less time navigating technology and more time serving members. TranzCapture is not just a better way to scan checks. It is a smarter way to manage the entire deposit operation.