Bank Check Scanning Equipment: Important Considerations for Implementing Back-Counter Capture


The efficiency of bank check scanning equipment is an imperative part of the imaging process. Financial institutions deciding to take the plunge into electronic deposit capture have two choices-teller and back counter. Teller choices offer faster service with fewer errors, but are not a viable option for every institution due to the cost of implementation. Banks wanting to take advantage of imaging options at a lower investment have many products from which to choose. Back-end operations have been common since the Check 21 Act was passed because they allow institutions to utilize this new technology without making an extensive investment. A few characteristics are essential when evaluating possible bank check scanners. The wrong choice during this important purchasing evaluation decreases imaging effectiveness. It pays to take a little time to assess certain capabilities before making any large-scale installation.

Bank Check Scanner: Features to Gage Before Choosing a Device

A bank check scanner is capable of providing significant speed and accuracy benefits, but can only do so when correctly chosen. What aspects must be investigated when making a purchasing decision regarding this beneficial device? Back-end capture limits the number of needed devices by allowing a bank to perform imaging in batches at certain times of the day or at the close of business. This choice involves processing a larger amount of documents at once for image creation. While teller implementation is an ideal option for all banks, those deciding to choose batch processing as a back-end procedure still receive a vast majority of the same benefits. It reduces transportation costs, time, and the total expense of switching to image capture.

The drawbacks of back-end practices include inability to make corrections while interacting with the customer, along with no reduction in actual customer deposit wait times. Each document must still be hand keyed by the teller and then sent to scanning personnel. Back-counter options are chosen to reduce implementation costs as this transition is completed. A variety of bank check scanning equipment choices are available to financial institutions desiring to electronically process paper transactions. These characteristics are most important as an institution determines the best device for their particular situation:

  • Scanning Speed
  • Feeding Count
  • Exit Pocket Capacity
  • Special Document Handling Capabilities
  • Diagnostic Features
  • Service and Application Compatibility
  • Endorsement Features
  • Power Management
  • Camera Specifications
  • Color Options

Each determines the quality of captured documents and assists with the user-friendliness of a bank check scanner. Diagnostic features aid in averting problems during use by consistently monitoring equipment conditions and evaluating any arising issues. Batch processing requires a precise maximum feeding count, exit pocket capacity, and scanning speed to be effective. These qualities must be matched with exact batch needs to get the most from a device. Bank check scanning equipment should also be compatible with available software to guarantee smooth operations. A financial institution must evaluate any special handling needs and endorsement requirements to make certain each device will supply the appropriate performance as batches are completed. Banks choosing to purchase back-counter models should thoroughly assess these features before implementing to receive the most benefits from electronic processing.

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