Remote Deposit

Remote Deposit is a product and service that allows a customer to scan checks and transmit the scanned images to Ames Community Bank for posting and clearing. The basic requirements for the service include a PC, an internet connection, and a check scanner provided to you by Ames Community Bank. Checks received at your location can be scanned to create a electronic deposit. The electronic deposit is then transmitted using an encrypted internet connection to Ames Community Bank who accepts the deposit and posts it to the designated account.

Benefits to using Remote Deposit in your business:

  • Enhanced cash flow – Accelerated clearings and availability result in improved cash flow and working capital. Enhanced cash flow will allow you to reduce interest expenses and/or increase interest income (earning interest on collected funds).
  • Reduced transportation costs/convenience – at a minimum, a business can save time and money by eliminating the time and expense of traveling to the bank
  • Streamlines operations – Labor intensive manual deposit preparation is eliminated. Research time and storage is also reduced through the use of stored electronic images.

    • The Remote Deposit Process


    1) Checks received by customers
    2) Checks are scanned
    3) Images are created on your computer. The software automatically balances the deposit by reading the check amounts
    4) Submit the deposit to Ames Community Bank
    5) Deposit is received. An email confirmation is sent to designated staff member informing them that deposit has arrived and will be posted to the account. Remote Deposit Walkthrough

    **Again note that as part of our service commitment an experienced bank officer will come to your location(s) to train staff members who may be utilizing our remote deposit system. Because this is new technology, we understand that there may be a need for training to take place at multiple levels and locations. Our commitment is to provide you with the training and tools necessary to effectively use this product in increasing your operating efficiencies and reducing costs.