Image capture of deposited items at the teller station 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 unions
• 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 Teller Capture Service enables credit unions to take advantage of the cost savings and improved efficiency of remote image processing. Among the many benefits are:

• Each teller scans deposited items from a workstation at their window as they are received from the member
  • Maximizes collection processing speed
  • Helps identify problems or potential fraudulent items while depositor is present
  • Ability to interface with your core data processing system without any additional cost or involvement from your core data processor
• 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 Teller Capture Works

• Check scanners are installed at all teller work stations
• Tellers scan checks as each transaction is completed
• 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. Teller Capture is one aspect of a full suite of Check 21 services available, which also includes ATM Capture, Branch 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.

Teller Capture. The Future. Here Today.

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