Check imaging solutions have advanced rapidly in the six years since the Check 21 act took effect. Now, even the late adopters are selecting imaging platforms, and those that were early adopters are reevaluating their selections. The maturation of check imaging solutions resulted in a broad array of options to meet the individual needs of each credit union. Of course, with all those options come hard decisions. The first big decision to be made as a credit union evaluates its current distributed check-capture service or considers investing in one for the first time, is selecting the point or points of capture.

Front-counter capture–imaging items at the teller line in transaction mode–and back-counter capture–imaging items away from the teller line in batch mode–both have advantages to be considered. In fact, some credit unions benefit from blending both systems. Major factors to consider when evaluating these processes include:

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