RUTLAND, Vt. — The $157 million Heritage Family Credit Union has become the latest to fully implement end-to-end check imaging through NCR's No Envelope deposit technology, the company has announced.
In all, NCR has more than 4,000 Intelligent Deposit units deployed in the North American market, the ATM manufacturer reported.
Heritage Family has purchased five NCR drive-up and thru-the-wall ATMs with check imaging capability for installation this month in its Rutland and Bennington, Vt., branch locations, with plans for further expansion. The units capture deposited check images for display on the screen and on the customer's receipt.
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Heritage Family utilizes NCR's ImageMark Passport technology and validation software to capture, verify and prepare a balanced image file for exchange with the Federal Reserve. A multi-year services contract was included in the order.
Randy Martelle, vice president of Information Systems for Heritage Family Credit Union, said, "We want to give our members the full benefits technology offers today, but with the personal touch their hometown institution uniquely delivers. Image-based deposit enables us to gain significant efficiencies, while our members experience a more convenient and intuitive way to complete ATM deposits."
Andrew Orent, NCR's vice president of payments and imaging, added, "While the pace of the market adoption of ATM image capture is definitely on the upswing, just 4% of all ATMs in the market today have this capability. Most of those deployments have adopted image capture on the screen and receipt, but have yet to pass the image through in an end-to-end process. Obviously, the full value of the business case for Intelligent Deposit comes into play when exchange is included. Heritage Family has recognized that value and we are very pleased NCR has been selected as their partner to make it happen."
NCR's ImageMark validation software enables the image transfer and includes sophisticated balancing and error-detection tools to help reduce back-office time, eliminate errors and flag questionable transactions for investigation. Designed specifically for small- to mid-sized financial institutions, this software can help financial institutions expand their geographic reach and even establish virtual branches by using enhanced deposit features and validation with the automated self-service channel, NCR said.
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