10/03/2005
Our bank is looking into truncation of imaged items to ACH. We understand that NACHA rules prevent conversion of business checks to ACH but conversion of consumer checks is still not clear for banks. Why are we not able to convert these items?
08/01/2005
We are currently printing teller checks using MICR laser printers behind the counter. We have been asked by our Lending Group to provide some input on deploying MICR printers in the branch mortgage departments (currently, they come to the tellers to run closing checks). We are looking for any advice on improving their process and maximizing ROI. Does anyone have experience with this?
08/01/2005
I've been seeing more trade articles lately on teller kiosks, but they sound a lot like some of the newer ATMs. Are there any real differences as to what kiosks can offer over ATMs?
07/18/2005
We just lost a merchant to a bank that offered them remote check-imaging. We do not expect to be image-enabled until mid-2006. Can you suggest a competitive response to this threat?
07/18/2005
We've just started an ATM refresh project, including adding check imaging, but won't be fully image enabled until early 2007. I know some banks are doing ATM imaging, then reconverting to IRDs and letting the IRDs flow into their paper item processing. Can anyone comment on practicality and payback of this approach?
07/04/2005
We have recently become aware of growing bill-pay traffic in our branches-about double what we thought. Does it make sense to move this traffic to ATMs or kiosks? Does the technology support this? Are other banks experiencing the same thing?
07/04/2005
We are planning a hardware refresh in our branches, slated to begin early '06. I am looking at printers for both teller and sales platform deployment and trying to assess going with multifunction printers versus regular printers. Any advice on the trade-offs?
02/28/2005
Do you see a trend in community bank redesign? If so, how has it affected your business and if not, why do you think this is the case?
02/07/2005
We are a small thrift operating in New Jersey. A couple of our branches are located in areas with large Hispanic populations that do a lot of payday check cashing. Are there any affordable kiosk solutions out there for check cashing?
01/31/2005
We are fighting the constant complaint from new checking account customers that merchants are refusing to accept starter checks for fear of fraud. Are there any strategies our customers can use (other than begging or threatening) to get merchants to accept them?
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