Similar to identity theft, this type of fraud happens when an unauthorized individual gain access through online banking applications, capturing the account information to create and write bad checks.
Account-centric enterprise content management solutions allow users to access account holder information based on their account numbers.
ACH (Automated Clearing House) is an electronic payment network that enables banks, credit unions, businesses, and consumers to securely send and receive funds between accounts for transactions such as direct deposit, bill payments, recurring payments, and account transfers.
An adverse action notice is a document sent to a loan applicant stating a bank’s rationale for denying a loan. It may also contain a counteroffer, such as a lesser amount or a request for an approved co-borrower.
Agentic AI refers to artificial intelligence systems that can autonomously plan, reason, make decisions, and take action to achieve specific goals with limited human intervention.
The term “aging exceptions” refers to a group of critical exceptions that have not been resolved within a reasonable amount of time.
Altered check fraud occurs when a fraudster changes the amounts and Payee from a stolen check.
API is short for “application programming interface.” Technology companies like Alogent rely on APIs to connect multiple software applications, thereby enabling a two-way exchange of information to support users’ needs.
Audit and exam prep is a process that financial institutions go through in order to adequately prepare for upcoming audits and exams.
An authorized signer form is a document that allows an account holder to grant a range of clearance levels to individuals to perform certain functions within a bank account.

In banking, the term “front counter” generally refers to activities performed by staff while the customer or member is present. Tellers are responsible for numerous front-counter duties, including processing account holders’ deposits.

Payment Processing & the Front Counter

When discussing the topic of payment processing, front counter can also describe a specific type of technology for enabling teller capture. Front-counter applications sit between financial institutions’ teller systems and scanning devices to help tellers efficiently complete payment-related tasks. Front-counter systems provide features that:

  • Synchronize the teller system and connected scanning devices
  • Make it easy to use the teller system to “wake” connected scanners
  • Communicate scan job information to the teller system
  • Move check image and data to the next stage in the payment workflow

Front-Counter Solutions

Some financial institutions rely on their core banking provider for teller software and front-counter technology. Being able to manage fewer vendors is one obvious advantage of this approach. However, opting for core-provided solutions makes the institution increasingly dependent on a single tech vendor.

Other banks and credit unions prefer to look beyond their core’s native offering, thereby unlocking additional opportunities for innovation. For example, connecting Alogent’s Unify to a third-party teller system is one option for streamlining branch and teller capture. In addition to serving as an interface between a financial institution’s teller system and scanners, Unify also delivers a single API that can be used across Day 1 and Day 2 channels.

Access Additional Payments Resources

Visit Alogent’s Innovation Hub to browse multiple industry papers about payments. Watch on-demand videos, read our blog, and view other helpful resources from Alogent.

Explore more resources

Related articles

Monday 27 July 2026

Consolidating Exceptions (without Making Life Harder for Staff)

Exception tracking spreadsheets and disconnected processes often create unreliable data, reporting challenges, and increased operational risk for financial institutions. AccuAccount centralizes credit, collateral, deposit, lending…

Read the Blog

Wednesday 22 July 2026

Fraud Prevention is a Growth Strategy: The Connection Financial Institutions Can’t Ignore

Fraud is no longer just a cost to manage—it’s a growing, multi-channel threat that drains resources, erodes trust, and impacts profitability far beyond the initial…

Read the Blog

Monday 20 July 2026

ECM Migration for Banks and Credit Unions: 3 Key Phases for a Successful Conversion

Switching from one ECM to another can seem like an impossible endeavor. Migrating thousands of documents, integrating various banking applications, and retraining users takes time…

Read the Blog

Tuesday 14 July 2026

[Playbook] Secure & Auditable Document Collection with Alogent Document Portal

Alogent Document Portal redefines how banks and credit unions collect and manage documents, replacing scattered emails and disconnected file-sharing tools with a secure, streamlined experience…

Read the Blog

Tuesday 7 July 2026

Breaking Down Fraud Silos: Why Cross-Channel Visibility Is Critical to Stopping Deposit Fraud

Fraud is no longer confined to a single channel. Today’s threats move seamlessly across mobile, ATM, and branch transactions, exploiting gaps in visibility. For banks…

Read the Blog

Monday 29 June 2026

Document Retention: A Growing Blind Spot for Compliance

Regulatory changes, evolving policies, and growth often create document retention blind spots that increase compliance risk, especially when institutions rely on manual tracking tools like…

Read the Blog

Thursday 25 June 2026

Enabling Faster, More Confident Decisions at the Teller Line

Physical branches remain essential, especially for onboarding and high‑value interactions, but outdated, siloed teller systems create friction, limit visibility, and delay fraud detection. As expectations…

Read the Blog

Wednesday 17 June 2026

Network Drives vs. ECM: Why Financial Institutions Need Secure, Scalable Document Management

Network drives offer a basic step toward digitization but quickly create challenges with organization, compliance, security, and reporting, especially as document volumes and complexity grow…

Read the Blog