Specifications

4
Check 21
eCourier is a result of the Check 21 legislation enacted in
2004. This law allows for electronic images of checks to be
accepted as the legal equivalent of original paper checks.
As a result, you can remotely capture checks and send a
batch of electronic images to Capitol Bank for processing.
Customers may receive an image of the check in their
Capitol Bank statement. When needed, a paper image called a substitute check can be reproduced.
Both image checks and substitute checks are accepted as legal proof of payment.
To learn more about Check 21 visit the Federal Reserve’s Website at
www.federalreserve.gov/pubs/check21/shouldknow.htm
Scan checks from your desktop.
Using a supported check scanner, simply scan both sides of the checks in a
single pass.
Prepare the deposit.
View images of the scanned checks right from your PC. The dollar amounts for
the checks are automatically read and the deposit is totaled.
Electronically send the deposit to Capitol Bank.
Click SUBMIT DEPOSIT and that’s it. The deposit is sent to Capitol Bank
through a secure Internet connection.
Funds are deposited into your account.
Access funds sooner than traditional deposits. Note that deposits to your
account are usually processed by Capitol Bank during normal business hours.
Presidents Inc.
Two hundred fifty dollars and
00
/
100
Jan. 1, 2013
250.00
Substitute checks are the legal equivalent
of original paper checks.
How Does eCourier Work?