Remote Deposit Capture

Remote Deposit Capture

Make Deposits from your desk 24/7

No time to leave the office to make a deposit? Do you need flexible hours to make your deposit while saving time? Merchant capture from Jersey State Bank offers you this flexibility and more!


It is like having a Jersey State Bank teller in your office 24 hours a day, 7 days a week. Even on weekends and holidays. Save time by automating your deposit process and eliminating the need to travel to your nearest Jersey State Bank location to deposit your checks.


Maintaining your business’ and customer’s privacy is important. Merchant capture through Jersey State Bank uses 128-bit encryption to secure the entire scanning, transmission and research process. Merchant capture also conforms with Multi-Factor Authentication standards to ensure that you, and only you, are making and researching your deposits.

  • Convenient, secure, and helps to improve the cash flow of our business.
  • Remote Deposit is a simple and secure way to make bank deposits into your business account without ever leaving the comfort of your office.
  • Reduce trips to the bank and get faster access to your money.

How does Merchant Capture Work?

Using a check scanner, obtained through Jersey State Bank, you scan the front and back of your checks and an image is created. This image now becomes a legal equivalent of the paper check. CAR/LAR software checks the image for usability and reads both printed and handwritten information on the check. If the information can’t be read then you can manually input what is needed with some limitations. After all the check images have been accepted for usability your deposit is transmitted to us and our Bookkeeping staff will process the transaction.


Can I setup multiple accounts?

Yes, you can deposit into any deposit account with Jersey State Bank. For example, you may have a general operating checking account, payroll account and reserve savings account.


Do I have to upgrade my computer and the software updates as available?

If your computer meets the minimum requirements you will not need to make any modifications to your current system. JSB Merchant Capture is accessed and operated through a website. If there are any updates or feature changes to the software, they will automatically be downloaded when you logon.


Will my deposit be credited on the same day?

Your deposits will be credited on the same day as long as they are transmitted by the required cutoff (generally 3 pm CST). Deposits received after this time will be credited on the next business day. Deposits made on weekends or holidays will be credited on the next business day.


Can I setup multiple users?

Yes, you are allowed as many user accounts as you wish. You can also have “dual control” capability so one employee scans the checks but another employee approves and transmits the deposits. Different user rights allow for segregation of duties.


What type of training and support is provided?

Jersey State Bank will come to your business and setup your scanner. At that time we will train your staff. If at any time you have problems, we will be glad to help via email, phone or in person if necessary.


What should I do with the paper check after I’ve made the electronic deposit?

Our Remote Deposit Service Agreement states that you should retain paper checks for 60 days in a secure location. The paper checks should then be shredded.


What if the check is returned NSF?

You will be notified in the same manner as in the past with your paper deposits.


Who do I contact to find out more information?

Cheryl Scoggins or Jenny King at 618-498-6466.