Image capture of deposited items at the branch and real-time transmissions to Southwest Corporate's item processing center.

Southwest Corporate has a unique business model that features the following:

• Southwest Corporate provides dedicated support staff Monday - Saturday at no additional cost
• Southwest Corporate's dedicated staff performs MICR line corrections for the credit union - saving the credit union time and expense, while reducing the credit union's risk
• Southwest Corporate has made significant investment in the national image exchange network - allowing it to have the highest exchange rate among corporate credit union
• Southwest Corporate's dedicated support team enables credit unions to implement remote deposit services based on their needs and timeline - no waiting in line

Southwest Corporate's Branch Capture enables credit unions to take advantage of the cost savings and improved efficiency of remote image processing. Among the many benefits are:

• Tellers throughout the branch share a workstation that scans deposits
  • Reduces upfront investment cost
  • Minimizes annual fees and maintenance contracts
  • Maximizes workstation usage
• Immediate transmission to Southwest Corporate
  • No intra-day deadlines
  • No second shift
  • No holdovers
• Integrated CAR/LAR technology reads actual amount written on check
  • Eliminates amount encoding
  • Reduces adjustments
  • Saves time and money
• Image Quality Assurance (IQA) process ensures check image meets minimal standards for successful exchange and collection
• Built-in duplicate item and duplicate batch detection prevents errors
• Physical items are trucated at the credit union
  • Reduces or eliminates courier charges
  • Eliminates risk of damage or loss of deposit during transportation
  • Eliminates inconvenience of microfilm or other in-house image retention
  Helps identity deposit problems or potential fraudulent items same day
• Remost image capture service includes seven complete years of image history with redundant archival at three independent sources entirely accesible via Internet. Nothing is stored off-line.

How Branch Capture Works

• Check scanners are installed at your branch and remote drive-thrus, if desired
• Tellers scan batches of deposited checks throughout the day
• Software reads MICR line data and written dollar amont, checks for presence of a signature, and verifies image quality prior to transmission to Southwest Corporate
• Imaged checks are cleared the most expeditious and least-cost method through:
  • Direct connection with paying bank
  • National image exchange networks
  • Federal Reserve Bank
  • or, substitute checks are created and sent for collection to non-image enabled institutions
• Images are stored and backed up for seven years and can be accessed via the Internet

Southwest Corporate is at the forefront of offering remote image deposit services. Branch Capture is one aspect of a full suite of Check 21 services available, which also includes ATM Capture, Teller Capture, and Business Capture. Credit unions receive full implementation, training, and ongoing support by a dedicated team of in-house specialists.

Image exchange relationships expedite processing, reduce the need for substitute checks, and provide substantials savings to credit unions. Southwest Corporate has more experience and more exchange relationships than any other corporate credit union.

Branch Capture. The Future. Here Today.

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