Speed Member Service and Streamline Operations with ImagePoint Check Capture & Processing
Members today expect to make deposits from wherever they are—online, mobile, in-branch, while shopping—and savvy credit unions need to remain to remain vigilant about preventing fraud and controlling costs. ImagePoint is a comprehensive suite of solutions for real-time check capture and fraud detection, in-house or hosted processing, and long-term check archives.
An ultra-convenient, mobile-first strategy, including mobile remote deposit, can increase member acquisition, engagement and retention. Our proven mobile deposit solution can be integrated with most mobile banking platforms, and implemented either in-house or in a hosted version. Credit unions can also incorporate deposit and item amount limits and other business rules to ensure member eligibility before accepting deposits.
Extend remote services to business members, so they can avoid disruptive trips to the branch and delayed availability of funds. Our browser-based Pro solution places multi-check scanners right at business locations. Deposits are quick and accurate, and the system is easy to learn, configure and manage.
Accepting checks at the teller line increases heads-up time, so tellers can actively contribute more to member relationships, and makes items ready for immediate processing. Tellers remain balanced all day, eliminating end-of-day overtime and errors/fraud are easy to catch, reducing exception handling. Works alongside any core processor or teller platform, and can be paired with Receipt Manager® to efficiently generate high quality print or email receipts.
Leverage image-enabled ATMs to speed deposits and meet member demands for round-the-clock access and self-service convenience. Enables same-day deposits with real-time transmission of image files for clearing, and items can be placed in a review and correction queue before adding them to the credit union’s consolidated cashletter for clearing.
Add real-time check capture to interactive teller machines, and transform the branch experience with video. Our solution incorporates ITM check deposits directly into the item processing workflow. Tellers can serve multiple ITMs from any location, so credit unions can more cost-effectively staff their expanded branch network.
Check fraud accounts for up to 37% of deposit account losses—reacting fast is the key to protecting both members and credit unions. Our fraud and counterfeit detection modules are real-time services, integrated with all our capture modules. They alert tellers and back office staff immediately when a high-risk check is identified, using a single, consolidated database from the Fed, CUNA, IAFCI, CUNA Mutual, FDIC and more.
Fully automate check processing by aggregating check images from all capture points—mobile, merchant, ATM, ITM, teller and branch. ImagePoint Hub can create a single image cashletter for transmission to any endpoint, and for posting to the core processor. Cross-channel, real-time duplicate detection and comprehensive Image Quality Analysis (IQA) are part of the process, which slashes costly Day 2 returns.
Take control of Day 2 operating costs by automatically comparing inclearing and returned checks to core data, allowing fast pay/no-pay decisions, and creating and sending outbound return files. Returned items can be re-presented or accepted, allowing members to be notified quickly. And the system is simple enough to become part of your daily activities.
Image-based check clearing has made paperless, low-cost, accessible, immediate archive storage a reality. Our searchable electronic repository for check images completely eliminates the need to store paper checks. Gain not only storage, but full statement creation, research functionality, access to check images for use in Internet banking, and the ability to instantly respond to individual member questions or perform large scale data retrieval.