Teller Integrated Branch Capture
Branch capture is what many financial institutions are already used to. The customer hands the teller the check. Then the teller brings it back to be processed, which could happen a few minutes later. It also could wait until the end of the day. In branch capture, the personal computer and scanner are coupled to a central server.
The upsides of branch capture are it’s less costly in terms of capital expenditures in the short-term. And training is faster because most tellers are used to this type of process. However, as we’ll soon explain, when compared to front counter teller capture, traditional branch capture takes more time, leaves more room for human error and severely limits back-office efficiencies and savings in the long-run.
Integrated Teller Capture
Front counter teller capture is a solution that equips every teller at a branch with his or her own check scanner. This allows check images to be captured immediately as they’re handed to the teller, thus automating the deposit process. By capturing document images during over-the-counter transactions, it makes cash tickets, checks, loan payments and other documents instantly available and auditable by the teller - and can therefore be reconciled with the customer present.
Because front counter teller capture demands image scanners for each teller, it demands more up-front capital expenditures. But because of its many compounding benefits, teller capture has continued its surge in popularity among banks and financial institutions in recent years.
BMA has the option of Branch or Teller Capture to accommodate your specific needs at your bank. BankRite Branch Capture or BankRite Teller Capture provide accurate cost-saving results, making check processing faster and significantly more efficient.