Remote Deposit Capture (X9)

Remote deposit capture allows you to scan checks into a TouchPoint bundle, then generate a file formatted to the specifications of the Accredited Standards Committee X9 (which is tasked with creating standards for the financial services industry in the United States). This file is then uploaded to your bank to remotely deposit the scanned checks.

Setup for Remote Deposit Capture involves changing one administration setting and adding an XML file to configure the X9 export file. A sample XML file and information about modifying it for your own bank are provided below in the section on the X9 Specification.

Enable Remote Deposit Capture

To enable remote deposit capture on your database, change the setting RemoteDepositCaptureEnabled to True. This setting can be found on the System tab and in the Contributions section. Changing this setting to True will add the option Export Remote Deposit File to the drop down menu of the Actions button on closed bundles.

http://i.tpsdb.com/ExportRemoteDepositFileMenuOption.png

When you select Export Remote Deposit File, you receive the following dialog:

http://i.tpsdb.com/ExportRemoteDepositFileDialog.png

To enter or change the Deposit Date on the bundle, check the box for Deposit Date and enter the desire date in the field below it.

The Deposit Account Number should be the bank account number where the funds will be deposited. This corresponds to the value creditMicrOnUs in the X9 Specification which is updated automatically with every deposit. If you leave this field blank, the export will use the value in the XML file.

After entering/adjusting all desired values, press the OK button to generate the file. It will be exported to your PC, ready to send to your bank.

X9 Specification

A sample file is shown below. There are some key values that need to be changed for every church. These are accountName, bankName, fileOriginationRouting, fileDestinationRouting, fileDestinationName, cashLetterEceInstitutionRouting, cashLetterDestinationRouting, cashLetterContactName, cashLetterContactPhone, creditPayorBankRouting, creditAccountName, creditMicrOnUs, creditMicrAuxOnUs. Some banks will require an X9 format that is a little different and requires knowledge of the X9 standard file format which is documented here. The X9Specification XML is documented here. Bank-specific requirements are typically called a companion document.

TouchPoint developers can help get you set up with working X9 Specification settings for a fee. Contact Support if you are interested.

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<?xml version="1.0" encoding="UTF-8"?>
<fileHeader>
  <copyright>X9Ware LLC 2013 2014 2016</copyright>
  <product>X9Sdk</product>
  <release>R3.09</release>
  <info>
    <accountName>Test Church</accountName>
    <bankName>Local Bank</bankName>
    <author/>
    <dateWritten/>
    <dateModified/>
    <comments/>
  </info>
  <fields>
    <x9fileSpecification>x9.37</x9fileSpecification>
    <businessDate/>
    <createDate/>
    <createTime/>
    <fileStandardLevel>03</fileStandardLevel>
    <fileMode>P</fileMode>
    <fileOriginationRouting>123456780</fileOriginationRouting>
    <fileOriginationName>TOUCHPOINT</fileOriginationName>
    <fileDestinationRouting>511111111</fileDestinationRouting>
    <fileDestinationName>LOCAL BANK</fileDestinationName>
    <fileIdModifier>J</fileIdModifier>
    <fileResendIndicator>N</fileResendIndicator>
    <fileUcdIndicator/>
    <fileCountryCode>US</fileCountryCode>
    <fileUserField/>
    <cashLetterEceInstitutionRouting>511111111</cashLetterEceInstitutionRouting>
    <cashLetterDestinationRouting>511111111</cashLetterDestinationRouting>
    <cashLetterIdentifier/>
    <cashLetterContactName>CONTACT NAME</cashLetterContactName>
    <cashLetterContactPhone>8885550122</cashLetterContactPhone>
    <cashLetterReturnsIndicator/>
    <cashLetterRecordTypeIndicator>I</cashLetterRecordTypeIndicator>
    <cashLetterDocumentationTypeIndicator>G</cashLetterDocumentationTypeIndicator>
    <cashLetterCollectionTypeIndicator>01</cashLetterCollectionTypeIndicator>
    <cashLetterFedWorkType>C</cashLetterFedWorkType>
    <cashLetterUserField/>
    <bundleItemCount>300</bundleItemCount>
    <bundleIdentifier/>
    <bundleCycleNumber>01</bundleCycleNumber>
    <bundleReturnsRouting/>
    <bundleUserField/>
    <bundleSequenceNumberAlpha/>
    <trailerInstitutionName/>
    <trailerSettlementDate/>
    <trailerContactName/>
    <trailerContactPhone/>
    <trailerCreditTotalIndicator/>
    <trailerPopulateMicrValidAmount/>
    <trailerPopulateImageCount/>
    <creditFormat>metavante</creditFormat>
    <creditRecordLocation>a20</creditRecordLocation>
    <creditInsertedAutomatically>true</creditInsertedAutomatically>
    <creditStructure>multiItem</creditStructure>
    <creditPayorBankRouting>512345678</creditPayorBankRouting>
    <creditAccountName>Test Church</creditAccountName>
    <creditMicrOnUs></creditMicrOnUs>
    <creditMicrAuxOnUs>420</creditMicrAuxOnUs>
    <creditItemSequenceNumber>auto</creditItemSequenceNumber>
    <creditRecordUsageIndicator/>
    <creditDocumentationTypeIndicator/>
    <creditTypeOfAccount/>
    <creditSourceOfWork/>
    <creditWorkType/>
    <creditDebitCreditIndicator/>
    <creditReturnAcceptanceIndicator/>
    <creditMicrValidIndicator/>
    <creditBofdIndicator/>
    <creditAddendumCount/>
    <creditCorrectionIndicator/>
    <creditArchiveTypeIndicator/>
    <creditBeginsNewBundle>true</creditBeginsNewBundle>
    <creditImageDrawFront>true</creditImageDrawFront>
    <creditImageDrawBack>true</creditImageDrawBack>
    <creditImageDrawMicrLine>true</creditImageDrawMicrLine>
    <creditImageProxyFront/>
    <creditImageProxyBack/>
    <creditCreateBofd/>
    <creditCreateSecondaryEndorsement/>
    <creditAddToItemCount>true</creditAddToItemCount>
    <creditAddToTotalAmount/>
    <itemDocumentationTypeIndicator/>
    <itemAddendumCount/>
    <itemReturnAcceptanceIndicator/>
    <itemMicrValidIndicator/>
    <itemBofdIndicator>U</itemBofdIndicator>
    <itemCorrectionIndicator/>
    <itemArchiveIndicator/>
    <itemImageCreatorRouting/>
    <bofdAddendumRouting/>
    <bofdPopulateDepositAccountNumber>true</bofdPopulateDepositAccountNumber>
    <bofdAddendumTruncationIndicator>Y</bofdAddendumTruncationIndicator>
    <bofdAddendumConversionIndicator>0</bofdAddendumConversionIndicator>
    <bofdAddendumCorrectionIndicator>0</bofdAddendumCorrectionIndicator>
    <secdAddendumRouting/>
    <secdAddendumPopulateDate/>
    <secdAddendumPopulateSequenceNumber/>
    <secdAddendumTruncationIndicator/>
    <secdAddendumConversionIndicator/>
    <secdAddendumCorrectionIndicator/>
    <secdAddendumBankIdentifier/>
    <imageDetailImageIndicator>1</imageDetailImageIndicator>
    <imageDetailFormatIndicator>00</imageDetailFormatIndicator>
    <imageDetailCompressionAlgorithm>00</imageDetailCompressionAlgorithm>
    <imageDetailDataSize>actual</imageDetailDataSize>
    <imageDetailViewDescriptor>00</imageDetailViewDescriptor>
    <imageDetailDigitalSignatureIndicator/>
    <imageDetailDigitalSignatureMethod/>
    <imageDetailSecurityKeySize/>
    <imageDetailStartOfProtectedData/>
    <imageDetailLengthOfProtectedData/>
    <imageDetailImageRecreateIndicator/>
    <imageDetailUserField/>
    <imageDetailReserved1/>
    <imageDetailOverrideIndicator/>
    <imageDataSecurityOriginatorName/>
    <imageDataSecurityAuthenticatorName/>
    <imageDataSecurityKeyName/>
    <imageDataClippingOrigin>0</imageDataClippingOrigin>
    <imageDataClippingCoordinateH1/>
    <imageDataClippingCoordinateH2/>
    <imageDataClippingCoordinateV1/>
    <imageDataClippingCoordinateV2/>
    <imageDataPopulateReferenceKey/>
    <imageDataPopulateDigitalSignature/>
    <ebcdicEnCoding>false</ebcdicEnCoding>
    <fieldZeroInserted>true</fieldZeroInserted>
    <variableFieldDescriptorsPopulateAsNumeric>true</variableFieldDescriptorsPopulateAsNumeric>
    <micrTransitSymbol>A</micrTransitSymbol>
    <micrAmountSymbol>B</micrAmountSymbol>
    <micrOnUsSymbol>C</micrOnUsSymbol>
    <micrDashSymbol>D</micrDashSymbol>
  </fields>
</fileHeader>

Changing the Remote Deposit File Name

The default file name for remote deposit exports is RemoteDeposit-{host}-{bundleid}.icl (e.g., RemoteDeposit-mychurch-3406.icl. However, some banks require a particular file naming convention. You can automatically create new files with names that adhere to your bank’s requirements by changing the setting RemoteDepositFilename with the following options:

Token Replaced With Example
{host} the database name mychurch (if your URL is mychurch.tpsdb.com)
{bundleid} the bundle ID 3406
{date} today’s date 4_28_2020_08_01_34_PM
{date:?} today’s date formatted to the string at ? {date:yyyyMMdd.hhmmss} = 20200428.080134

Check Image Format

Check images must be scanned at 200 dpi or 240 dpi. For any other value, the check image will be re-sampled to 200 dpi. The bank may not accept check images that are re-sampled from a lower dpi. Therefore, the safest way to ensure a valid X9 file is to scan the check at 200 or 240 dpi.



Latest Update 04/30/2020

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