Remote Deposit

End User Guide

January 2008

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Remote Deposit

Login Go to www.eaglebankmd.com and click on the Remote Deposit Login Button.

Login to Remote Deposit using your Office, Login, and password assigned to you by your administrator or EagleBank.

Important Note: Keep your password confidential. Do not share your password with any other person.

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Enter your Office and Login on the first screen. You will enter your password on the next screen.

Do not enter your password if you do not recognize your phrase and background/border color. Call 301-628-4746 immediately.

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You may be prompted to answer a security question if you are logging in from a computer you don’t normally use or if the Remote Deposit system can not verify your computer. You may check the box “Do not ask me questions at this computer” to prevent being asked questions every time you log in. If you do not remember the answer to your security question, you may call 301-628-4746 to have your security questions reset.

Capture The “Capture” button is used to create batches and scan checks into the system for deposit. Checks will then be reviewed for accuracy by using the “Complete” function. After completion, each batch will be “Closed” and is then “Approved” by an authorized approver for deposit.

To begin capturing checks click on “Capture” button in the navigation menu.

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The “New Batch” screen lists the “Depositor” name and the “Deposit” accounts that you are authorized to scan check batches for. If you have more than one deposit account you can now select one account from this screen by clicking on the select button in the Actioncolumn. The cut off time is the time batches must be scanned and approved for deposit on the current business day. Batches that are approved after the cut off time will be deposited on the next business day.

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To create a new batch, enter batch information listed in the boxes. Required fields are denoted with a red asterisk. Batch Name is not required and will be automatically created if left blank. Batch Name field is 100 characters long and can be used to describe the contents of the deposit. Expected Total Amount is the total of all scanned checks.Expected Total Checks is the number of scanned checks.

The tape function is optional, and does not need to be used unless you choose to. In the Item Amount box enter each check amount. Pressing the enter key on your keyboard will then list the check on your tape. The Expected Deposit Total Amount box and the Expected Deposit Total Items box will fill in and update as you enter each check. You do not need to fill in these boxes if you are using the tape feature.If you need to correct a dollar amount, double click on the item to highlight it. The dollar amount will appear in the Item Amount box. You may then change the dollar amount. If you would like to delete an item, click on it to highlight it, and press the delete key on your keyboard. If you would like to delete all the items, select the Clear button.

After completing the boxes click the “Create Batch” button.

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The new batch is created and the user is automatically directed to the scanning screen below. This screen lists information on the created batch from the information on the previous screen and additional information concerning this batch including the Batch Name, Account, Creation Time, Cut off Time, Expected Total and Expected Count.

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Begin the scanning process by placing check(s) in the check hopper, then click on the “Start Batch Scan” button for multiple checks or the "Single Scan" button for scanning one check at a time. Click the “Show images while scanning” box to view images during the scanning process. As stated on the screen this option may slow down the scanning process.

The scanner will then start to feed checks from the hopper and scan them. During the scanning process the “Total Checks Successfully Scanned” and “Total Checks Successfully Submitted” will begin to increment, showing the number of checks scanned. If this does not equal your “Expected Deposit Count”, you may need to rescan a check.

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After all the checks have been fed through the scanner, a pop up will indicate that there are no more documents present in the feeder if using the “Batch Scan” function. This pop up will not be seen if using the “Single Scan” function.

If there are more checks to be scanned, place them in the feeder and click the “Start Batch Scan” button again. If check scanning is finished then click on the “Complete Batch” link.

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If all checks scan without any problems click Close Batch.

If for any reason the system is not confident that the image capture is 100% correct, you will be forced to review the item. It should be noted that you will occasionally be displayed checks in completion that do not have image quality warnings and the amount is correctly captured. These checks were not automatically completed because the system may not have had a high confidence level that all information was captured properly and you need to review the information and amount for accuracy then submit.

If you are unable to successfully scan a check, please contact EagleBank for assistance at 301-628-4746.

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If there are any problems with a check, a window will appear with the image and any related warnings/errors. Warnings need only be reviewed; they will not prevent a check from being submitted. If the amount needs to be entered, enter it in the Amount field and click Submit. You are not required to enter anything in the Payor field.

If the check has been scanned before, you will be forced to delete this check. Checks are not to be scanned into the system more than once. You cannot process a document more than once.

After the last item is displayed, the user is directed to the Balance Batch screen.

If the batch is in balance, you can close the batch or return to open batch to scan additional checks if needed.

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If the batch is not in balance, or you need to review all items in the batch, you would select “Return to open batch.” Click “Search” from the Actions column to review all the items in the batch.

On the Search screen you will be displayed 10 items at a time for review.

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You may select all items or a number of items per page from the drop down menu at the bottom right of the search screen.

The Search screen will display all captured information for each check. Under the Status column will display if items are PENDING, which indicates items are complete, or INCOMPLETE, which indicates the item still needs additional attention. Select individual items for editing by selecting Edit under the Actions column. This will display the check image and all captured data and any warning messages that were initially indicated by the system.

Note: Some warning messages may be automatically completed by the system and will only be displayed if you select edit from the search screen.

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Once you have reviewed all checks in the batch you can then review the status of the batch. Choose “Return to open batch.”

Only three checks are listed in the batch. The batch total had 4 checks. From here you can scan more checks. If your total is incorrect, you can update the Expected column and then click “Update” to balance the batch. Or you can search the batch again to see which check(s) may be incorrect.

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Once you have fixed your out of balance condition the system will tell you that your batch is in balance. Select “Close Batch”.

A pop-up screen will now tell you that the batch is closed and ready for approval.

A Closed Batch Status Report will be generated for your review.

Please print this and keep with all the checks contained in the batch. Please see your contract for length of time checks should be stored before shredding them.

Advance MICR edit function:

If no MICR line is captured, the check will not be able to be submitted and you would click “next” at the bottom of the page.

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This check will need Advanced MICR line edit. Checks that could not be correctly entered during completion can be skipped by clicking on “Next” and can be reviewed from the Batch Item Search screen. The Search option is found while you are in the open batch.

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From Batch Item search you are able to select incomplete items. In this example, the check for $123.00 and $156.00 need to be edited.

Supervisor, Manager, and Advanced Processing Officer level users will be displayed the ADVANCED button below the check image. If the user rights are below these levels, then the ADVANCED button will not be displayed and the user must ask a Supervisor, Manager, or Advanced Processing Officer to edit the check to be able to allow the check to be processed. Select ADVANCED button for full MICR line edit.

Items that are coming up as “Duplicate” may not be edited. You must call 301-628-4746 to have the Bank edit the check for you.

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In the example above, the check was a photo copy of an original check. No MICR ink was printed on the check, therefore, the check scanner could not capture the MICR line. If the Advanced button is not used the check will not be able to be submitted for deposit.

All fields are available for entry of the MICR line. Any MICR data captured will be displayed. Care must be taken for entry of all data correctly as noted for ON-US fields and symbols.

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Checks that have no MICR captured or bad MICR may be fraudulent checks and should be reviewed closely for authenticity. In addition, Check 21 law requires that the MICR line on a check image processed should be EXACTLY as it appears on the original check. The advanced MICR line edit function allows you to edit the entire MICR line, or partially edit the MICR line, but extreme care must be given to following the instructions for editing to insure the edits reflect the EXACT MICR line as is represented on the original check.

At the bottom of the Advance MICR edit screen are the following instructions for you to properly enter the MICR line information.

Note:

1. Auxiliary OnUs usually is the check number for a business check, located to the left of routing number,

surrounded by a pair of OnUs symbols ( ). 2. OnUs is located to the right of routing number, but to the left of amount (if present). OnUs field should

be put in exactly as shown in the MICR line. OnUs symbol(s) ( ) should be replaced with the letter 'U'

(uppercase U). Dash symbol(s) ( ) should be replaced with the letter '-' (dash). 3. Check number field is only significant if there is no auxiliary OnUs field and there is no check number in

OnUs field in the MICR line, but the check number was printed somewhere else on the check, or if the check number is misrepresented.

After all MICR data is entered, select submit.

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Check will be submitted for deposit if no errors appear.

Procedures for MagTek Disable bad MICR characters:

When using a MagTek scanner for Check Scanning, scan checks as normal.

Item is encountered with error displayed - NO MICR data found.

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Click OK on error box.

Remove bad check from exit tray.

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Rescan check with Disable bad MICR character selected.

Select Start scan. Scan bad check.

The bad MICR check is now scanned into the system. Use advanced MICR edit procedures described above to process and complete the check for deposit.

Approving Batches

Once you have closed your batch, it will now need to be approved. Someone with approving authority will need to login. Once you have logged in, click on the “Approval”option on the left side menu.

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From here your view will be defaulted to batches pending approval. You can also view the audit trail for this batch by selecting the “Audit” button. This will show you what operator scanned the batch and who has closed the batch. Before you approve a batch it is a good idea to view the checks in the batch. Do this by clicking on the “View Items”button to the right of the screen.

Now you can see a detailed list of checks contained in your batch. If you are uncertain about a particular check then you can select view and review the check. You can also view the audit trail of this check.

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You can print checks in your batch by checking them and selecting “Print Selected.” Once you are certain that the checks contained within your batch are correct then it is time to approve the batch. Click on “Back to Batches Pending Approval” link at the bottom of your screen.

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Click on “Approve” to approve your batch. If you need to make any changes, you may click on “Return” to send the batch back to an open status and then make any changes. The batch will need to be closed again before you can approve it.

Your batch will now be approved. Click “OK” on the pop-up box.

You can check the status of your batch by clicking on the “Batch Status” option on the leftside menu.

You can also check previous batches captured on the system by changing the start and end date of your search. You can only search a max range of one week.

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ReportsGenerated within the system are numerous reports that may be of some use to you as an end user. Select the “Report” icon from the options on the left side menu.

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Report Name DescriptionApproved Batch Detail This is a listing of checks in batches that have been approved;

grouped by account.Approved Batch Summary This is a batch deposit summary grouped by account.Approved Payments Detail This is a listing of checks that have been approved; grouped by

account.Approved Payments Summary

This is a summary listing of item counts and amounts for checksthat have been approved; grouped by account.

Batches Pending Approval This is a detailed listing of checks in batches that have been closed but not yet approved; grouped by batch.

Open Batches Detail This is a detailed listing of checks in open batches grouped by batch.

Pending Approval Payments Detail

This is a detailed listing of all checks that have been closed but not yet approved; grouped by account.

Processed Payments Detail This is a detailed listing of processed checks grouped by account.Processed Payments Detail By Clearing Network

This is a detailed listing of processed checks in clearing networks grouped by account.

Processed Payments Summary

This is a summary listing of item counts and amounts for checks that have been processed; grouped by account.

Returned Payments Detail This is a detailed listing of checks that have been returned; grouped by return reasons by account.

Returns Payments Summary

This is a summary listing of item counts and amounts for checks that have been returned; grouped by account.

Settlement Items Detail This is a detailed listing of deposits by deposit credit date; grouped by account.

Settlement Items Detail By Settlement Period

This is a detailed listing of deposits by deposit entry date; grouped by account.

Settlement Items Summary By Settlement Period

This is a summary listing of deposits and amounts for checks that have been deposited; grouped by account.

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Users and User Groups

When you create a new User it will require you to select a Role from the following User Groups:

User Group PermissionSupervisor • Maintain current user settings

• Scan Checks• Edit/Advanced Edit Checks• Approve Batches• Return Batches• Delete Checks/Batches• Research Batches• Maintain Remittance• Maintain Users

Research Officer

• Maintain current user settings• Research Batches

Processing/AdvancedProcessingOfficer

• Maintain current user settings• Scan Checks• Research Batches• Edit Checks• Delete Checks/Batches• Advanced Edit Checks (Advanced Processing Officer)

Manager • Maintain current user settings• Scan Checks• Approve Batches• Delete Checks/Batches • Edit/Advanced Edit Checks• Return Batches• Research Batches• Maintain Remittance

Approver • Maintain current user settings• Approve batches• Return Batches• Research Batches

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To Create a New User:

Click New Client User.

Choose the Role that the user will have. This will allow you to add a User for thisRole. Click “Continue” .The New Client User screen appears.

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User NameThis is the name that of the user.

Login NameThis is the name that the user will use to login with.

PasswordThis is users default password.

Confirm PasswordRe-type the password exactly as it was typed in the password field. This confirms the password was typed correctly. Password must consist of at least 6 characters and contain at least one capital letter, one lower case letter, and one number.

Change Password on Next LoginIf checked, the user will be forced to change the password before they login.

EmailThis is users e-mail address.

Time ZoneThis is the time zone in which the user resides.

ActiveNew users are automatically created as active. Users who are not allowed to use the system any longer should not be active.

Fill in all required fields and select “Save” to add the user.