Remote Deposit Capture FAQs

Frequently Asked Questions

Yes, and being web-based, Key Capture requires less computer space than non-web-based alternatives. It is also a “smart client” application that provides automatic upgrades. Occasionally, an update may require the user to perform the update steps.

The following items will not be read and will prompt the user to review the deposit:

  • Dollar amount misreads
  • Duplicate items
  • Misfed\skewed items
  • Piggyback items
  • Non-MICR items
  • Foreign\ineligible items

Yes. Users are required to remedy any scanner errors and make sure all deposits are in balance before they are sent to the bank.

No, but a virtual deposit ticket will be created for each deposit.

The Key Capture application performs duplicate item detection for any deposits made at that location during the previous 90 business days.

Files processed and deposits received prior to 11:00 p.m. ET will be given same day ledger credit.

Key recommends 300 checks or less per deposit.

Yes, memos can be added to items at any time within the Deposit Review screen. This feature enables you to associate additional information with the deposited items.

You may select either the standard endorsement or use a custom endorsement of your choice. Endorsements may be either standard or virtual.

Yes, with the Deposit Review capability, you can assign individuals to be

  1. Depositor only
  2. Review only
  3. Both

A threshold is set at either the item or aggregate deposit level and if this is met, the Deposit Review capability is engaged for further action.

Yes. With smart field capability, you can have up to five identifiers per check. You will initially enter the fields in the “Make a Deposit” section of Key Capture, and when another check is scanned with matching MICR, these fields will be prefilled. Smart fields may be edited at any time. Smart field information is retrieved in Key Capture reports titled Daily Payment Extract and Payment Search.

Images are stored for 90 days. If there is a need to access images beyond 90 days, there is a long-term image option available in KeyNavigator, under the Image Research Center.

All reports may be exported in XML, CSV, TIFF, PDF, HTML, or XLS.

Returned checks will come back as substitute checks. You may use Key Capture to re-deposit returned checks by depositing the returned substitute checks. Returned items can be re-scanned or re-deposited at a branch.

The following are required:

Windows® 10 or Windows® 11

 

Full system requirements are located below:

https://www.key.com/content/dam/kco/documents/businesses___institutions/keynavigator_microsite/key-capture-system-requirements-2023.pdf

Yes, administrator rights are required for the initial installation of the Key Capture software, and may be required for future releases.

Superior® is the preferred fulfillment vendor.

https://www.key.com/about/misc/leaving.html?/to/gtm+superiorpress