TranzCapture is built just for credit unions, with significant input from credit unions, resulting in a best-of-breed suite of services.
TranzCapture enables members to make deposits at image-enabled automated teller machines, interactive teller machine video terminals, and intelligent kiosks. This technology minimizes branch traffic and offers added member convenience. With TranzCapture ATM/ITM/Intelligent Kiosk Capture services, credit unions can automate deposits, thereby reducing manual processes and improving accuracy.
With the TranzCapture Mobile Capture service, members can deposit checks from any smartphone, tablet or other mobile device. Members use the device's camera to capture an image of the front and back of the check. Images are immediately transmitted for processing or put in a queue for additional validation by the credit union. The on-the-go access of Mobile Capture empowers members and expedites deposits.
The Branch Capture service enables credit unions to scan and electronically transmit check images for processing from one or two centrally-based workstations within a branch. TranzCapture verifies the image quality, reads the item amount, and securely transmits the image and data file for processing, image archival and check collection.
TranzCapture Business Capture enables credit union business members and select employee groups (SEGs) to scan checks and transmit them directly for processing, clearing and collection. The credit union has the ability to review, modify or delete items/batches before they are processed.
Teller Capture offers the efficiencies and convenience of capturing the deposit transaction data at the teller window. Real-time processing at each teller window reduces fraud, resolves potential errors while members are still present and eliminates time-consuming batch processing at the end of the day.
In addition to deposit services, the TranzCapture service suite also includes share draft processing capabilities. The share draft service consolidates in-clearing and serves as a single source for processing, settlement and liquidity. Credit unions can streamline check processing operations, maximize back office efficiencies and boost member satisfaction with TranzCapture share draft processing.
When it comes to check processing, the difference is in the details, because everyday efficiencies can help decrease deposit risk and boost member service. TranzCapture’s robust suite of features provides enhanced risk mitigation and early fraud detection capabilities, allowing credit union resources to be focused elsewhere.
Consolidated administration across all channels offers credit union users considerable convenience and expansive item review options for risk mitigation.
A review queue allows tellers to set aside items for additional evaluation. Credit unions may elect to review all deposited items, no items, or items above specific dollar amounts, from new accounts and other criteria established during implementation.
Real-time warnings across all deposit channels for potentially fraudulent items enable credit unions to stop fraud in its tracks, before items are accepted for deposit. Early notification enables credit union staff to enact internal guidelines or place a hold on the deposit account.