There are actually two different processes that can be used to deposit checks using the E-Deposit service. The easiest way is to use the Java check scanning software that is embedded into the site. If you have Java installed on your computer and a compatible scanner, the Java check scanning software will walk you through a process of scanning the front and back of each check you want to deposit.
If you don’t have Java, or don’t have a scanner that is compatible with the Java check scanning software, you do have another option. You can scan your checks outside of Online Banking using the software that came with the computer to create separate images of the front and back of the check. Once you are in the E-Deposit system, you can then upload the images for processing.
Regardless of the method you choose, E-Deposit analyzes the scanned images and is able to identify key parts of the check including the routing number, account number, amount, and payee. Using that information, it is able to electronically clear the check and deposit the funds into your account immediately (though some or all of the funds may be subject to holds). It is also able to detect if a check has been previously deposited, to prevent you from accidentally depositing the check twice.