Introducing Merchant Capture. It's the quickest way to turn check deposits into cash.

Key Advantages of Merchant Capture. 
Click & Learn

• Make deposits anytime. 
• Save time preparing deposits. 
• Consolidate funds from remote locations into one bank. 
• Cut costly courier fees or trips to the bank. 
• Reduce risk of check fraud. 

Is Merchant Capture for you?

Does your business:

1. Have multiple locations?
2. Make deposits after normal banking hours? 
3. Pay transportation costs to deliver deposits to the bank? 
4. Receive checks with large dollar amounts? 

If you answered YES to any of the above questions, then Merchant Capture may benefit your company.

It's like having a 24-hour bank teller right in your office.

• Make deposits anytime - Enjoy the convenience of making deposits electronically 24-hours a day, 7-days a week, even weekends.
• Save time preparing deposits - Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks. 
• Cut costly courier fees or trips to the bank - Electronic deposits can reduce trips to the bank or eliminate costly courier fees. 
• Consolidate funds from remote locations into one bank - Check deposits can easily be made from any remote office or storefront. This streamlines your cash flow by consolidating deposits from multiple locations into a single bank 
• Reduce risk of check fraud - Faster check clearing may allow you to act sooner on returned checks, increasing your opportunities for collection. 
• More secure - Multiple layers of security including password protection, Internet firewalls, and 128-bit encryption, the highest level of security available. 

What you will need.

Merchant Capture is easy to set-up and use. All you need are the following items:

1. PC with a current version of the Microsoft® XP or 2000 and a USB 2.0 port. 
2. Desktop check scanner and software. 
3. Internet connection. 
4. Account with First National Bank.

How does Merchant Capture work?

Using Merchant Capture is easy. Click & Learn

1. Scan checks from any desktop - Using a desktop check scanner, simply scan both sides of the checks in a single pass. 
2. 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. 
3. Electronically send deposit to the bank - Click SUBMIT DEPOSIT. The deposit is sent to the bank through a secure Internet connection.
4. Funds are deposited into your account - Funds may be available sooner than traditional deposits. 

Questions?

FNB Merchant Capture
FAQ's

What is Merchant Capture?
Merchant Capture utilizes a desktop scanner
that connects to the merchant's PC and the Internet. With it, they can scan checks received from customers and issue deposits electronically to the bank. Anytime day or night. It's the fastest way to turn check deposits into cash.

Merchant Capture technology is available as a result of Check 21, which was passed in late 2004. This legislation encourages the electronification of the payment system by making a check image, and a substitute check, the legal equivalent of the original paper check.

Merchant Capture is also commonly referred to as:

• Remote Deposit
• Remote Capture
• Customer Capture
• Desktop Deposit
• eDeposit

How does Merchant Capture expedite funds availability?

•  Electronic deposits using Merchant Capture eliminate the need for clients to physically deliver checks to the bank, and can extend the deposit window beyond traditional banking hours. 
• Once received by the bank, electronic items may be processed quicker.

When can electronic deposits be issued to the bank?

• Businesses can transmit electronic deposits to the bank 24-hours a day, 7-days a week, even on weekends and holidays. 
• The bank's business day for processing electronic deposits may also be extended.

What types of checkscan be processed through Merchant Capture?

• All personal and business U.S. checks and Postal money orders can be processed through Merchant Capture. 
• Checks from Canada and other foreign countries must be deposited traditionally.
• Savings Bonds must also be deposited traditionally.

Is Merchant Capture the same product that retailers are using at the Point-of-Purchase?

• No. Many retailers are using a product referred to as P.O.P. that produces an ACH debit and truncates the check.
• Merchant Capture scans the physical check and creates an image that is electronically transferred to the bank with the deposit. 

How Secure is Merchant Capture?
Merchant Capture features multiple layers of security including password protection,
Internet firewalls, and 128-bit encryption, the highest level of security available.

How do customers prevent checks from being scanned and deposited twice?
The software has a built-in tool that detects items already captured.
If the software detects a potential duplicate check, an alert prompts them to make a decision about the item in question.

How do customers know if the image quality is acceptable?
The software has an Image Quality Assessment (IQA) tool that automatically identifies checks with missing or unreadable fields.

Who typically uses the system?
Individuals already in charge of manually preparing and delivering deposits are typically the end users of Merchant Capture.

What do I do with the original paper checks after scanning & making a deposit?

• It is recommended that the original checks be securely stored for a period of time as directed by the financial institution, usually a minimum of 14 days or longer. 
• Guidance for proper handling of original checks is provided to the merchant in the User's Starter Kit.

What do businesses need to use Merchant Capture?

•  A PC with a current version of Microsoft 2000 or XP and a USB 2.0 port.
• A supported desktop check scanner and software.
• A high-speed Internet connection.
• An account with FNB

If you have questions, please visit our Help Center, or contact us for assistance.