This service provides an efficient way to streamline deposit preparation and eliminate multiple trips to the bank. A remote deposit scanner captures images of consumer and business checks and connects the images to our bank’s online portal, PINACLE. The deposit is balanced then submitted to PNC Bank for processing.

Only checks drawn on domestic banks that have a valid Federal Reserve Routing Transit Number (RTN) can be deposited. Checks drawn on foreign banks or non-U.S. dollar checks cannot/should not be deposited using the remote deposit service. Do not deposit photocopies in lieu of mutilated items, or an electronically created image that did not actually originate from a paper check.

In order to capture check images you will need a PC with Internet access as well as access to PNC’s PINACLE portal. Only approved scanners provided by UC Treasury should be used. There is no application software required to be installed on your workstation with the exception of a required check scanner driver.

The instructions for scanning checks are listed in the scanner manual. For a high quality image there should be some preparation time for straightening out the corners and removing any staples. In addition, scanner preventative maintenance cleaning should be performed per the manufacturer’s guidelines.

MICR stands for Magnetic Ink Character Recognition. At the bottom of each check, the MICR line information is imprinted with special ink. The numbers in each field represent key information, including the bank, account and check numbers. It is important that the check is scanned properly so that the MICR line information can be clearly captured and a high quality image can be transmitted to PNC.

Yes, remote deposit uses this feature. CAR/LAR stands for Courtesy Amount Recognition/Legal Amount Recognition and is the process that is used for image matching. The remote deposit system will read the printed numbers in the amount box of the check (CAR) and will also read the line with the handwritten amount (LAR). If this information matches the image of the item, then the item is accepted. If the information does not match, then the item will appear on the screen and the system will request that the amount be confirmed or key corrected by the operator processing the deposit. Again, it is very important that the check be scanned properly so that all the information can be captured in order to create a high quality image of the item.

No, the system will place a virtual endorsement on the back of all check images.

As items are scanned, you will have access to the images and information detail on Deposit On-Site via PINACLE. There are also reports that are available the day the deposit is created and a 65 day history.

No, the system will provide a “virtual deposit slip” for each deposit of checks.

First re-scan the item. If it fails again, then the check must be deleted from the system and the original check taken to the bank for deposit.

Please keep the original checks for 14 days after they are scanned. After the 14 days they should be shredded.

No, Canadian and foreign fhecks are not supported within the remote deposit service.