By Marc Rapport, originally published by Credit Union Times, August 18, 2010

• Credit unions may find themselves choosing between back-office and teller check capture.
• Some industry participants say the shift is to the teller option, others say they haven’t seen it.
• Each option has its own characteristics, and the choice involves member service questions as much as technology options.

Institutions can find themselves facing two options: capture the images and truncate them by the batch in the back shop at the branch or a centralized location, or capture them at the teller line as the transaction is occurring.

Those who are worried about slowing down the action at the window, where tellers might better spend their time providing personal service rather than scanning checks, prefer the back shop option, and that’s where most credit unions are now in the Check 21 process.

He [Randy Glassburn, CEO of Ball State FCU] also said that he had heard concerns about teller capture slowing down teller lines but that that had not been his credit union’s experience.

“If you are doing it properly, it really is a matter of seconds in terms of the time difference,” he said.  “Compared to the time it takes to scan checks at the end of the day, and the time associated with tracking down fraudulent items or correcting errors after the member has left the credit union, those few extra seconds are really a non-issue.”

The article continues to examine the various options through interviews with ProfitStars, Aite, Bluepoint Solutions client Ball State FCU, Wescom Resources Group, VSoft and Open Solutions. Randy Glassburn, CEO of Ball State is cited:

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