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Last Update:
December 18, 2007
10:24 pm

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e-DEPOSIT FOR BUSINESS
Benefits     How It Works   Key Features

e-Deposit is our remote deposit capture service that enables you to convert your customers' paper check payments into electronic transactions for faster processing without having to go to the bank. You can scan, process, and electronically deposit the items right from your place of business.

It is simple. Everything is done in your business environment. No trips to the bank; no deposit slips; no courier service for the daily deposits.

All you need is Internet access, one of our desktop scanners, and a personal computer with Windows 2000 or XP.

Scan the checks. Watch each paper item convert into an electronic image, and then into an electronic deposit.

Depending on the capabilities of your accounting software, our technology can even prefill information for your accounting system to reduce manual posting.

Benefits of e-Deposit for Business

  • Intuitive, Ease-of-Use
    All you need is a desktop check scanner, internet access, and a personal computer.
     
  • Consolidate Banking Relationships
    Save money by consolidating your banking business with one single bank. Eliminate the need to have a local banking relationship associated with each business location.
     
  • Reduce Internal Accounting Costs
    Save time and costs associated with transporting deposits, and manual keying and preparation to post your accounts receivable.
     
  • Electronic Check & Clearing Process
    Lower the cost of payment processing, accelerate the check clearing and funds availability, and maximize your cash flow.
     
  • Reduced Return Item Risk
    Learn about non-sufficient funds checks faster, due to electronic technologies.

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Here's How e-Deposit Works

  1. Your business receives a check for payment of goods and services.
     
  2. Checks are scanned using one of Community Bank's desktop check scanners.
     
  3. Checks are processed via Community Bank's secure web-based software system, and transmitted electronically.
     
  4. If you desire, our system can automatically distinguish and convert consumer items and process them as ACH – Automated Clearing House items. Other non-consumer items are processed as checks under the Check 21 environment.
     
  5. The funds are processed through the ACH, electronically debited from the customer's account and available in your bank account within 24 hours.

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Key Features & Functionality

  • Check Images and Data
    24/7 access to view and retrieve your deposited check images; easy research capabilities
  • Database recognizes payments from same source to reduce data entry time

  • Flexibility and Scalability
    Easy adjustment to support any payment volume, from small single users to large payment processors
  • Process your deposits any time of the day; transmit before the cutoff for next day availability

  • Data Security
    All data transmission is performed using a secure web-based system
  • Duplicate items are not accepted

    Community Bank of San Joaquin will assist you with check storage to reduce storage concerns

  • CAR/LAR Technology
    Character Amount Reader/Legal Amount Reader (CAR/LAR)improves the speed and accuracy of the imaging process. This reduces the time spent on data entry, processing and reduces errors.

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Lost or stolen Visa® Check Card, call
(209) 956-7000 Monday-Friday 9am-5pm or
1-800-754-4128 after hours.

For other important telephone numbers, click here.


Community Bank of San Joaquin


Main Office
22 West Yokuts Avenue
Stockton, CA 95207-5715 [
map]
209-956-7000
 


Waterloo Office
4426 East Waterloo Road
Stockton, CA 95215-2306 [
map]
209-373-4300

Services Available:
Administration, Branch, Loans,
Full-Service Drive-Up, ATM* and
Night Depository*
 

Services Available:
Branch, Loans, ATM* and
Night Depository*
 

Office Hours:
Monday-Thursday 9am-5pm
Friday 9am-6pm
Saturday 9am-1pm
and By Appointment
 

Office Hours:
Monday-Thursday 9am-5pm
Friday 9am-6pm
 

*This service available 24 hours a day.

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Equal Housing Lender

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