Check scanners for teller image capture and check scanners for remote deposit serve similar functions—scanning checks into digital images for more efficient bank processing—but they are used in different environments and have distinct features tailored to their specific use cases.
Teller Image Capture Check Scanners
Teller image capture technology allows tellers to convert paper checks and financial documents into digital images. This process involves scanning both sides of a check using a specialized check scanner, also known as a check reader. The resulting digital checks are then electronically transmitted to the bank’s processing systems for further handling, such as verification, clearing, and storage.
Environment: Used in bank branches or credit unions by tellers at their workstations.
Volume: Designed for high-volume, daily use as part of the teller’s workflow, they can handle a continuous flow of checks throughout the business day.
Speed: Fast, scanning both sides of a check, with the capability to process multiple checks quickly to minimize customer wait times.
This technology streamlines the check deposit process, eliminating the need to physically transport paper checks to a central processing location. It reduces processing times, improves accuracy, and enhances security with features like:
Advanced Image Quality: High-quality image capture to meet stringent banking industry standards.
Batch Scanning: Capable of scanning multiple checks in sequence, often with automatic feed systems.
Durability: Built to withstand frequent use, often featuring robust construction.
Integration: Typically integrated with the bank’s core systems and teller software, ensuring seamless processing and immediate availability of check image files in the bank’s system.
MICR (Magnetic Ink Character Recognition): Reads the MICR line at the bottom of checks, which contains crucial information like the check number, routing number, and account number.
Remote Deposit Check Scanners
Remote deposit check capture (RDC) is a banking technology that allows individuals or businesses to deposit checks without having to visit their financial institution. Using a check scanner or a mobile device, the user captures digital images of both sides of a check. These images, along with the check’s data (such as the amount, routing number, and account number), are securely transmitted to the bank over the internet for processing.
Environment: Used by businesses or individuals for remote deposit capture (RDC), allowing them to deposit checks without physically visiting bank or credit union branch.
Volume: Generally designed for lower-volume use, suitable for small to medium-sized businesses or individual users who do not deposit a large number of checks daily.
Speed: While still efficient, these scanners may process checks at a slower rate compared to teller image capture scanners since they are used in less time-sensitive environments.
Remote deposit capture technology offers convenience, as users can deposit checks from anywhere at any time, and accelerated cash flow, since it reduces the time for funds to become available. RDC check scanners lower costs by reducing time and labor for processing and transporting checks for deposit and increases security by reducing the risk of loss or theft during storage or transit. This technology is especially useful for businesses that handle a high volume of checks or for individuals who want to avoid frequent trips to the bank.
Compact Design: Typically smaller and more portable to fit into a business environment or home office.
Ease of Use: Designed for non-bank employees, these scanners often come with user-friendly software that guides the user through the deposit process.
Connectivity: Connects to the user’s computer or mobile device, often via USB or Bluetooth, and transmits check images to the bank via secure internet connection.
Compliance: Ensures the captured images meet the necessary standards for remote deposits but might not have the advanced features needed for teller-level processing.
MICR: Also equipped with MICR technology to read and verify the check data, but typically with simpler integration.
Choosing the Best Check Scanner: Teller Image Capture vs. Remote Deposit
The differences in check scanning technology ensure that each type effectively meets the specific needs of its intended user base.
Teller Image Capture Check Scanners are optimized for high-volume, fast-paced bank environments, with robust features and seamless integration into bank systems.
Remote Deposit Check Scanners are designed for ease of use in remote settings with lower volume needs, offering portability and user-friendly interfaces suitable for non-bank users.
Learn more about cash automation products and services for banking.