Per scan revenue–With costs for remote deposit crashing, the credit union can charge for each item scanned or create a bundle pricing structure.

Increased deposit dollars — By offering the convenience of remote-deposit capture, the average deposit balance and the number of business accounts that the credit union opens should increase dramatically. With each business account, a business debit card should automatically be issued for every person in the business needs one. Businesses use business debit cards more often than consumers and the per-ticket size is generally larger. Fee income generated from business debit cards is huge.

Fee income from business accounts–Business accounts typically generate more revenue for the credit union than consumer accounts. There are increased check volume, larger balances and multiple accounts (operating account, payroll account, etc.). Now add revenue for more stop payments, wire transfers, overdraft protection and many other services that generate fee income right to the credit union's bottom line. Many credit unions are now offering commercial e-banking platforms that in themselves generate fee income when the member uses features like positive pay, online wire transfers, online payroll and tax and bill payments.

A perfect fit with remote-deposit capture is the credit union's merchant services program. In fact, some equipment companies now have merchant machines with a remote-deposit scanner as an all in one feature. Using this technology not only drives fee income and deposits into the credit union, but it creates sticky products that the business will not so easily move to another institution for a few cents less.

All of these opportunities and more are now available because the credit union introduced a new service that makes sense to the business owner.

Happy business members that are saving time and money while getting access to their funds the next morning are in a great frame of mind to reach out to the credit union when they need credit. How about offering that business a line of credit with a business credit card or an equipment loan or lease? Do they need any trucks? Does their business own real estate that can be effectively refinanced? Are they in the market for a warehouse, office suite or building? This all becomes possible because the credit union used a new technology to secure the relationship.

New members-The granddaddy of all for credit unions: increasing the member base. By demonstrating to business owners that the credit union philosophy of ownership is a perfect fit for their businesses it also becomes a perfect opportunity to offer the benefits of membership for all of their employees. Every business owner wants to secure benefits for its employees.

This opportunity won't last long-Remote-deposit capture is beginning to sweep through the country. Most large banks are already offering the product. Many mid-sized and commercial banks are either in it already or making plans to move forward soon. The window of opportunity will close fast. Those credit unions that act fast to implement, train and sell to their markets will find a new source of growth with low risk that for years to come will drive new opportunities to their doors.