Patent ID: 8126809

Claim:
A method for bank deposit processing at a central system a plurality of checks deposited at a remote site with accompanying bank deposit information, the method comprising: the central system receiving bank deposit information for a plurality of different bank deposit transactions made by a plurality of different depositing individuals, with the bank deposit information including a bank deposit account designation within a bank of first deposit for each of the plurality of different depositing individuals, electronic check data for each of the plurality of checks being deposited by each of the plurality of different depositing individuals and check image data for at least one check of the plurality of checks being deposited by each of the plurality of different depositing individuals, wherein the central system is separate from MICR capture, deposit accounting, and float processing systems for the bank of first deposit; the central system transmitting at least the electronic check data for each of the plurality checks being deposited in each of the plurality of different bank deposit transactions to the bank of first deposit in a transmission having a transmission path that bypasses the MICR capture system of the bank of first deposit.