Business Desktop Deposit Capture

Q: How does desktop deposit capture work?

Desktop deposit capture uses a browser-based interface connected to a check scanner on a Windows or Mac computer. Businesses can process checks individually or in batches using a single-feed or multi-feed scanner at their own location instead of bringing deposits to a branch.

Q: What are the benefits of using desktop deposit capture?

Desktop deposit capture can improve efficiency by enabling faster check processing, potentially improving cash flow. It also provides electronic records, search capabilities, and reporting tools to streamline deposit management.

Q: Are there fees for business desktop deposit capture at Royal Credit Union?

There are no setup or scanner fees for desktop deposit capture at Royal Credit Union. However, businesses must purchase their own scanner, and standard per-item deposit account fees may apply.

Q: Does desktop deposit capture support multiple users and locations?

Yes. Administrators can assign multiple users with customized permissions, and the service supports multiple business locations with access controls and training resources.

Q: How does desktop deposit capture compare to mobile check deposit?

Desktop deposit capture is designed for higher-volume check processing using a scanner, while mobile check deposit is intended for smaller, lower-volume deposits. Desktop capture supports batch processing, higher limits, and enhanced reporting and recordkeeping features.

Save time with a desktop check scanner for on-site batch check processing

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High-Volume Check Processing

If your business handles lots of checks, Royal Credit Union’s business desktop deposit capture is a great way to save time. Our business mobile app includes check deposit for smaller volumes of checks, but desktop deposit capture can make quick work of stacks of checks! Desktop deposit capture also allows larger deposit totals than business mobile deposit.

Check Batch Advantages

Processing checks in a batch may mean faster funds availability in your Royal accounts, which can improve business cash flow. Electronic deposit records also include time-saving search and report options for your business.

On-Site Convenience

Businesses process check batches at their location instead of bringing them to a Royal office. This saves time and may mean funds are available sooner.

Works With Your Computer

A browser-based web interface controls the desktop check scanner machine connected to your Windows or Mac computer.

Support For Multiple Users & Sites

The business remote deposit administrator can set up additional business users with individual access and permissions. Online training resources are provided.

Check Scanner Choices

Choose an automated multi-feed scanner to quickly process an entire stack of checks, or a single-feed scanner for smaller batches. The scanner is purchased by the participating business.

There are no setup fees or scanner fees to use business desktop deposit capture at Royal, but businesses must purchase the check scanner and applicable checking account per-item charges apply. Approval for a business credit application is required to use business desktop deposit capture at Royal Credit Union.

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Learn More About Business Desktop Deposit Capture

Frequently Asked Questions

What is business desktop deposit capture at Royal Credit Union?
Business desktop deposit capture is a service that allows businesses to process checks in batches using a desktop check scanner connected to a computer at their own location. It saves time by allowing high-volume check processing without visiting a Royal office. Desktop deposit capture also allows larger deposit totals than business mobile deposit.

How does desktop deposit capture work?
A browser-based web interface controls the desktop check scanner machine connected to your Windows or Mac computer. You can choose an automated multi-feed scanner to quickly process an entire stack of checks, or a single-feed scanner for smaller batches. Businesses process check batches at their location instead of bringing them to a Royal office.

What are the benefits of using desktop deposit capture?
Processing checks in a batch may mean faster funds availability in your Royal accounts, which can improve business cash flow. Electronic deposit records include time-saving search and report options for your business. On-site processing saves time and may mean funds are available sooner.

Are there fees for business desktop deposit capture at Royal Credit Union?
There are no setup fees or scanner fees to use business desktop deposit capture at Royal. However, businesses must purchase the check scanner, and applicable checking account per-item charges apply.

Does desktop deposit capture support multiple users and locations?
Yes. The business remote deposit administrator can set up additional business users with individual access and permissions. Online training resources are provided. The service supports multiple sites so businesses with more than one location can benefit.

How does desktop deposit capture compare to mobile check deposit?
Royal's business mobile app includes check deposit for smaller volumes of checks, but desktop deposit capture is built for higher volumes. It can process entire stacks of checks quickly using a multi-feed scanner and allows larger deposit totals than business mobile deposit. It also provides batch processing with electronic records, search capabilities, and reporting options that aren't available through mobile deposit alone.