Mobile and Remote Capture

• Ameriana Bank– Established in 1890– Asset Size 443M– 12 Banking Centers– 150 Associates

Deposit Options

• Remote Deposit Capture (RDC)– May 2007

• 44 Customers• Average of 8,000 items per month• Deposits Range from 10 -15 million

– Types of Scanners• Multi Feed

– Panini My Vision X

• Single Feed– Panini I:Deal

• Mobile Deposit Capture – September 2011

• Average of 100 deposits• Deposits Range from 20-30 thousand• High Month of 404 deposits• High Month Deposit $87,000.00

– Types of Devices• Any Smart Phone/Device

– Integrated into our mobile app

Important Factors to Consider

• Risk– Risk Assessment is necessary

• Risk Committee

• Customer Agreement– Very Detailed

• Liability• Responsibility

– RDC – Reviewed one on one with the customer by our Cash Management Officer.

– Mobile Deposit electronic acceptance.

• Policy/Procedures– Have all of this documented before you begin.

This will minimize internal questions and concerns.

The Ameriana Way

• Processing– Back Office – Imaging Area– Limits

• Amount (daily and one time)

– Cutoff Times• RDC - Three cutoff times per day• Mobile – Two cutoff times per day

• Integration (Image Centre)– RDC is an Image Centre product– Mobile Deposit Capture

• Bankserv created and x9 file that we import into Image Centre.

She tricked us!!

Said she was going to take us to Florida

Really?

I MISS YOU

MICKEY

THANK YOUStacy Darlingstacy.darling@ameriana.com765-521-7538