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User Guide

Remote Deposit Capture via HSBCnet - Operating Manual

(For US account holders only)

May 2013

Remote Deposit Capture via HSBCnet

Published: May 2013 i

Contents Disclaimer ........................................................................................................................ 1

About Remote Deposit Capture (RDC) .......................................................................... 2

Using the RDC system .................................................................................................... 3

Deposit Batch ............................................................................................................... 3

Equipment .................................................................................................................... 3

Security ......................................................................................................................... 3

Procedures for Inability to Process ........................................................................... 4

RDC Process Flow ....................................................................................................... 4

Prepare Deposit with Quality Check .......................................................................... 4 For Customers Located Outside of the United States: ............................................................. 5

MICR Line Specifications for Personal Style checks............................................... 6

MICR Line Specifications for Business Style checks .............................................. 6

Start Up Procedures for Remote Deposit Capture Application .............................. 7

Capture and Review Deposit ...................................................................................... 8 Scanning / Remote Deposit Processing ................................................................................... 9 Entering Custom Fields (Optional) ........................................................................................... 9 Deposit in Balance ................................................................................................................. 10 Deposit out of Balance ........................................................................................................... 11

Confirm Deposit ......................................................................................................... 12

Deposit Receipt.......................................................................................................... 12

View Recently Completed Deposits......................................................................... 13

Exit Remote Deposit Capture Application .............................................................. 14

Deposit Recovery ...................................................................................................... 15

Reports ....................................................................................................................... 15

View Rear Image / Zoom In or Out ........................................................................... 17

Jammed Documents ................................................................................................. 18

Delete Item from Deposit .......................................................................................... 19

Item MICR Line Correction / Editing Dollar Amount .............................................. 19 MICR Line Correction during Scanning .................................................................................. 19 Editing Dollar Amount after Scanning..................................................................................... 20

Image Quality Assurance (IQA) – Flagged Items ................................................... 20


Published: May 2013 ii

Duplicate Detection ................................................................................................... 23

Deposit Reconciliation – Correcting an Out of Balance Deposit ......................... 23 To verify and correct an out of balance condition: .................................................................. 24 To cancel a deposit: ............................................................................................................... 25

Prepare Documents for Archival or Further Processing ....................................... 25 See examples below: ............................................................................................................. 26

Glossary – Remote Deposit Capture – List of Terms ............................................ 27

RDC via HSBCnet System Requirements ................................................................... 28 Administration Rights ............................................................................................................. 28 Workstation or Laptop ............................................................................................................ 28


Published: May 2013 1

Disclaimer This document is issued by HSBC Bank plc (‘HSBC’). HSBC is authorised and regulated by the Financial Services Authority and is a member of the HSBC group of companies (‘HSBC Group’).

This document is for information purposes only and does not constitute or form any part of (i) any invitation or inducement to engage in investment activity, or (ii) any offer, solicitation or invitation by HSBC or any of the HSBC Group for the sale or purchase of any products, services and/or any investments.

HSBC provides this document to the recipient on an ‘as is’ basis and except as provided herein, does not warrant that the contents of this document is accurate, sufficient or relevant for the recipient’s purposes.

HSBC may have obtained information in this document from sources including from third party suppliers, it believes to be reliable but which have not been independently verified. In relation to information on products and/or services supplied by a third party supplier, the recipient should obtain further information on these products and/or services directly from the supplier.

Please note that this document may contain hypertext links to websites operated by other members of the HSBC group and third parties respectively. In relation to hypertext links to websites operated by members of the HSBC group, please read the terms and conditions of the linked website. In relation to hypertext links to websites operated by third parties, please note that: (1) the recipient should read the terms and conditions of the website; and (2) HSBC does not have any control whatsoever over these websites and shall not be liable for the recipient’s use of them.

HSBC will use its reasonable endeavours to ensure that the contents of this document are current at the date of its first publication. HSBC gives no undertaking and is under no obligation to provide the recipient with access to any additional information or to update all or any part of the contents of this document or to correct any inaccuracies in it which may become apparent.

HSBC is not responsible for providing the recipient with any legal, tax or other advice regarding the contents of this document and the recipient should make its own arrangements in respect of this accordingly. This document has not been prepared to address the specific requirements or objectives of any particular client. The recipient is solely responsible for making its own independent appraisal of an investigation into the products, services and other content referred to in this document.

This document should be kept confidential and shall be used for internal business purposes only by the recipient to whom it is provided and its officers, employees and agents. This document should be read in its entirety and shall not be photocopied, reproduced, distributed or disclosed in whole or in part to any other person without the prior written consent of the relevant HSBC Group member. This document is proprietary to HSBC and the recipient agrees on request to return or, if requested, to destroy this document and all other materials received relating to the information contained herein.

Except in the case of fraudulent misrepresentation and/or breach of these terms, no liability is accepted whatsoever by HSBC and the HSBC Group for any direct, indirect or consequential loss arising from the use of this document.

Please contact your local HSBC representative for further information on the availability of products and/or services discussed herein in your region.

© Copyright. HSBC Bank plc 2013 ALL RIGHTS RESERVED.



About Remote Deposit Capture (RDC) The Remote Deposit Capture (RDC) product provides the ability for commercial clients to electronically submit deposits to HSBC Bank USA, NA (HSBC). Deposits include checks, money orders, and traveller’s checks drawn on US Financial Institutions written in US Dollars.

This product offering is a benefit of the “Check Clearing for the 21st Century” (Check 21) legislation that enables US Financial Institutions to provide substitute checks as legal tender for check processing in place of the original US paper checks. A substitute check, also referred to as an Image Replacement Document (IRD) contains an image of the front and back of the original check and a Magnetic Ink Character Recognition (MICR) line, duplicating that from the original item (with some exceptions).

Deposit transactions are captured using a special desktop document scanner and formatted for transmission to HSBC where central processing and validation take place. The HSBC RDC Monitoring Facility performs further review of deposits. If corrections to the deposit are required, adjustments will be made via a deposit correction advice and applicable service fees may apply. Currently, all RDC transactions are processed at the HSBC Buffalo Check Processing Site. After deposits are submitted via RDC to HSBC, the actual paper checks must be stored in a secure location for a designated period of time.

The purpose of this document is to provide instructions for preparing and processing remote deposits from the remote site to HSBC. For more information please see the “Cash Management Services Agreement”, “Service Rules for Cash Management Services – Remote Deposit Capture.”



Using the RDC system

Deposit Batch A deposit batch consists of one or more checks for deposit. The maximum number of items that may be included in one batch is 300. If more than 300 items are to be deposited, they must be separated into two or more deposit batches and submitted separately.

For easier handling and reconciliation, it is recommended to:

• Split the total deposit into multiple deposits containing 25 to 50 checks < OR >

• Calculate a subtotal at 25 to 50 check intervals for reference to use as you capture. The interval subtotal(s) can be used as checkpoints to validate against the RDC “in process” captured total which is continuously updated and displayed at the bottom right of the screen. If you are out of balance at one checkpoint, you may choose to stop capture and reconcile what has been captured thus far, or continue until all items have been captured and then reconcile.

• Multiple deposits may be submitted throughout the day. Caution should be taken to ensure items are not scanned more than once. (See Prepare Deposit with Quality Check).

Equipment The Remote Deposit Capture application requires two components at the client site:

• Personal computer running Windows XP, Windows Vista (32 or 64 Bit) or Windows 7 (32 or 64 Bit). (See RDC via HSBCnet System Requirements, for further information).

• A check scanner to scan the items for input into the RDC system.

Please review the documentation included with the scanner for instructions on how to order consumable supplies.

Security Corporate clients are responsible for securing access to the RDC Software and Check Scanner. Your HSBCnet System Administrator(s) manage access to the RDC tool. Designated RDC users will have access to the account(s) specified by the HSBCnet System Administrator. When not in use, the Check Scanner should be stored in a secure location.

Transmission of checks from the client site to HSBC is accomplished using Secure Hypertext Transfer Protocol (https) over a 128 bit encrypted connection.



Procedures for Inability to Process In the event that the RDC system is not available for use or you are unable to successfully transmit items to HSBC:

• Deliver the deposit, including deposit ticket and checks to your nearest HSBC branch < OR >

• Send the deposit, including deposit ticket, using overnight mail service to:

HSBC Bank USA, N.A. Remote Deposit Capture 2 South Wing One HSBC Center Buffalo, New York 14203

RDC Process Flow The key steps in the RDC process are as follows:

1. Prepare Deposit with quality check (See Prepare Deposit with Quality Check below).

2. Ensure all items are endorsed to your deposit account number.

3. Logon to HSBCnet and select the RDC tool from the drop down menu.

4. Launch the RDC application.

5. Select a deposit account, enter deposit amount, and insert checks in the scanner document feeder.

6. Review RDC deposit including item correction and balancing.

7. Look at each image for clarity and/or overlapping items.

8. Submit deposit and print deposit receipt, if desired.

9. Exit the RDC application.

10. Prepare documents for archive or further processing.

Prepare Deposit with Quality Check To prepare the deposit:

• Remove all staples, clips, and calculator tapes from items to be scanned.

• Endorse all checks.

• Include only US Dollar checks drawn from US Banks.

• Ensure items have not been submitted in previous deposits.

• Align or jog the items by tapping the bottom edges and then the right edges on a hard flat surface, such as the top of your desk.



Note: Some documents may require manual keying of the Bank Routing and Transit (R/T) number and/or dollar amount as checks are processed through RDC. The R/T number is located on the MICR line at the bottom of the check. (See MICR Line Specifications for Personal Style Checks, and/or MICR Line Specifications for Business Style Checks).

The following items should NOT be included with your deposit:

• Checks which are post-dated or stale-dated (date of check is 6 months or older)

• Checks requiring advice of payment.

• Checks drawn in US Dollars on a non-US Bank.

• Checks drawn in currency other than US Dollars.

• Checks which are torn, folded, mutilated, or partially destroyed.

• Any type of photocopies including faxes.

• Checks which are suspected to be counterfeit or contain material alterations.

• Items which contain forged, missing, or unauthorized endorsements. (i.e. the beneficiary’s signature is forged or unauthorized)

• Non-check documents (i.e. discount certificates, gift certificates, pay stubs, money order stubs).

• Foreign checks not drawn on a US Financial Institution even if written in US Dollars.

• Deposit tickets are not required when using the RDC via HSBCnet service. The system creates a virtual deposit ticket.

If your deposit contains sequentially numbered Traveler’s Checks and/or Money Orders with total value exceeding $20,000.00, or if the total value of non-sequential Traveler’s Checks and Money Orders payable to a single party exceeds $20,000.00, a High Value Deposit Declaration Form must faxed to 212-382-5573 at the time of your deposit. Please note, this number is not intended for correspondence should not be used for purposes other than providing the High Value Deposit Declaration Form. (See Appendix 1 for Corporates/ See Appendix 2 for Financial Institutions).

This service is not intended for use with a savings account or any non-checking account. Such RDC deposit attempts into a savings account or any non-checking account may result in deposit adjustment fees being charged.

For Customers Located Outside of the United States:

Domestic US Postal Money Orders labeled “Negotiable Only in the US and Possessions” cannot be accepted from locations outside of the United States.



MICR Line Specifications for Personal Style checks

Courtesy Amount

Legal Written Amount

Type Auxiliary RT Account Trans Code Amount

Debit 022000020 123456789 0230

Note: Insert checks into scanner with the front of the check (displayed above) facing outward.

MICR Line Specifications for Business Style checks

Courtesy Amount

Legal Written Amount

Type Auxiliary RT Account Trans Code Amount

Debit 002058 022000020 75000000

Note: Insert checks into scanner with the front of the check (displayed above) facing outward.



Start Up Procedures for Remote Deposit Capture Application To access and use the Remote Deposit Capture tool, complete the following steps:

1. Log on to HSBCnet and access the Remote Deposit Capture tool under the Accounts tab.

Remote Deposit Capture feature under Accounts tab

2. In the Remote Deposit Capture tool, select Launch RDC Application. For SmartSource Scanners, ensure that the power switch is in the On position prior to selecting Launch RDC Application. If this is the first time you are using RDC via HSBCnet, please contact your local HSBCnet technical Support to schedule training.

Remote Deposit Capture Service

3. After selecting Launch RDC Application, the system checks for and installs any required updates before starting up.

Checking for updates

4. After start up, the RDC landing page appears. From this page you can: - Make a deposit - Review recently completed deposits - Exit Remote Deposit Capture (RDC)



Remote Deposit Capture Landing page

Capture and Review Deposit To make a deposit, select an account from the account list on the left of the screen.

Enter the Expected Total of the deposit using a decimal point. Select OK when finished. This virtual deposit ticket is used in place of a paper deposit ticket.

Making a Deposit



Note: If the account you wish to deposit into in not listed on the page, please contact your HSBCnet System Administrator.

Scanning / Remote Deposit Processing

Begin scanning checks. Checks should be placed on the feeder right side up (MICR Line at the bottom) with the front of the check facing outward. Place approximately 25 items on the feeder at one time. Replenish feeder as needed until all checks have been scanned.

• A Document Item Number (DIN) will be sprayed on the back of each item.

• RDC will read and display the transactions in the Item Display Window.

The system will attempt to read and validate all MICR fields on the check.

• Image and handwriting recognition are used to validate the amount of the check. Both the Courtesy and Legal amount fields can be read to make this determination.

A Deposit Memo may be entered, if desired. The Deposit Memo will appear on your Deposit Receipt as well as the Daily Deposit Detail Report and CSV file available through HSBCnet the day after your deposit is processed

Once you have scanned all items, select Review Deposit.

Review Deposit

Entering Custom Fields (Optional)

There are eight optional fields available, 20 characters each, for alphanumeric data entry. The first two fields of data will appear on your Deposit Receipt and Daily Deposit Detail Report, while all eight fields will appear on the CSV report available through HSBCnet the day after your deposit is processed.

• To review and/or enter data for a check, select the item on from the scanned item list on the left of the screen. The check image will appear on the right of the screen.



• Data can be entered in Field 1 through Field 8 below the check image. To apply the data entered into the field(s), select Apply Changes. To clear all data entered, select the Reset Values button.

Custom Field Options

Note: The specific entry in each custom field is determined by the individual client.

Deposit in Balance

• When the deposit is in balance, the Difference will equal 0.00 and the Submit Deposit button is enabled.

• Verify each image for clarity and/or overlapping items.

• Select Submit Deposit to continue.



Deposit in Balance

Deposit out of Balance

• Any difference between the Expected Total and the total of all checks scanned is displayed at the lower left section of the screen below the scanned item list.

• Out of Balance deposits cannot be transmitted as the Submit Deposit button is deactivated.

Deposit out of balance



Note: The Expected Total is the amount entered on the virtual deposit ticket. This amount should equal the Total amount, with no Difference, once all checks have been scanned correctly. (For additional information see Deposit Reconciliation – Correcting an Out of Balance Deposit).

Confirm Deposit Once the deposit has been reviewed and is in balance, select Confirm to process. There is an option to print your Deposit Receipt on the following screen.

Confirm Deposit

Deposit Receipt The Deposit Receipt will be displayed with a date and time stamp. Choose Print if desired. If printed, the Deposit Receipt can be kept with the scanned checks for archiving. (See Prepare Documents for Archiving for storage suggestion).

Deposit Receipt



Note: This receipt is available for 45 calendar days from the Recently Completed Deposits section of the RDC landing page.

View Recently Completed Deposits From the RDC landing page, select the desired deposit to view the deposit receipt and images.

Recently completed deposits

Note: Scanned images can be viewed immediately after a deposit is submitted and are available for 45 calendar days from the Recently Completed Deposits section of the RDC landing page.

The front and back of individual checks can be viewed by selecting the Display Images link next to the item. Select Print if desired.

Note: Images of deposited checks cleared are available for 7 years through the HSBCnet Image Retrieval tool.



Image of deposited check

Exit Remote Deposit Capture Application Select Exit on the page to exit the Remote Deposit Capture Application.

Exiting RDC Application



Deposit Recovery If your RDC session is shut down, the incomplete deposit will be displayed the next time the RDC application is accessed.

You may choose from the following options:

• Resume deposit

• Cancel Deposit

• Leave Deposit and Exit

Note: Cancelled deposits cannot be recovered.

Deposit Recovery

Reports HSBCnet provides three RDC reports the day after your deposit is processed.

Report Name Format Description RDC1A CSV Detailed deposit data captured during scanning, including

customized data entered into Fields 1-8.

RDC2A PDF Totals, by account, for all deposits submitted by each user.

RDC3A PDF Detailed deposit data, by account, for all deposits submitted by each user.

All three reports are available through the Reports and Files Download Tool in HSBCnet. Reports are available for 7 calendar days.

For additional information and instructions on downloading reports, please refer to the HSBCnet User Guide for Reports and File Download.



Sample RDC1A Report

Field Name Description

Date Processed Date deposit was processed by HSBC

Deposit Account Number Account number deposit was made to

Location Store/Location ID (if applicable)

Item RT Routing and Transit Number of check scanned

Item Cheque Account Number Account number of check scanned

Cheque Number Check number of check scanned

CR/DR Credit/Debit

Amount Amount of check scanned

Currency Currency of check scanned (always USD)

ISN Unique Item Sequence Number assigned to check scanned

Fields 1-8 Optional 20 character alpha-numeric field (to be entered by customer)

Scanned By Name of person that scanned deposit (name provided on HSBCnet user registration)

Sample RDC2A Report



Sample RDC3A Report

View Rear Image / Zoom In or Out To view the rear image of a check and/or zoom in or out, select the check from the scanned item list on the left of the screen. The check image will appear on the right of the screen.

Check image

Use the zoom in/out and rear/front image tool located underneath the image of the check on the right of the screen.



Zoom feature

Jammed Documents • The scanner may stop when it detects a jammed item, displaying the error message

below. The jammed item does not appear in the Image Display Window.

• Gently push the item out of the scanner. For SmartSource Scanners: press the blue document feed button at the top of the scanner. Review the Image Display Window to find the last item scanned in the current deposit.

• Select OK and rescan the affected item(s).

Jammed document - Error Message



Delete Item from Deposit If you wish to delete a check from your deposit while on the scanning screen:

• Right click on the check image and select Remove Check, or

• Double click on the image of the check you wish to remove and select Remove Check on the Check Information screen.

If you wish to delete a check from your deposit while on the review deposit screen:

• Right click on the item you wish to delete from the scanned item list. From the pop-up menu, select Delete this check, or

• Select the item you wish to delete from the scanned item list and press the delete key on your keyboard, or

• Select the item on from the scanned item list on the left of the screen. Choose Remove Check located on the bottom right of the screen.

Select OK to confirm deletion or Cancel to cancel deletion.

Item MICR Line Correction / Editing Dollar Amount RDC requires validation of the Bank Routing and Transit (R/T) and Amount fields (any further validation is done at HSBC). If one of these fields cannot be read, the image in the display window will stop on the item in question and prompt the operator for field input. While the operator performs the necessary item correction the scanner will continue to scan the remaining items.

Note: When correcting a field be sure to work from the image displayed on the screen and not from an actual check. This will avoid confusing checks of the same amount or from the same entity.

MICR Line Correction during Scanning

If a field error is detected on individual items while scanning, the items will be displayed one at a time for review and correction. A window is displayed automatically, indicating the type of correction required. The field requiring correction will be noted within the window.

Note: When keying in the Amount field be sure to include a decimal point.

Canadian checks cannot be processed via RDC. An error message will be displayed when a check with a Canadian R/T is detected. These checks must be pulled from the batch and deposited through alternative means.

MICR line correction



Editing Dollar Amount after Scanning

If you wish to edit the dollar amount of a check from the scanning screen:

• Double click the check image.

• Enter the correct dollar amount with decimal point.

• Select OK.

If you wish to edit the dollar amount of a check from the review deposit screen:

• From the list on the left of the screen right click on the item you wish to correct.

• Click on the amount field located underneath the check image on the right of the screen.

• Enter the correct dollar amount with decimal point.

• Select Apply Changes

Image Quality Assurance (IQA) – Flagged Items If an item fails the Image Quality Assurance (IQA) test, a window will display the reason for the failure. Review the reason and take the appropriate action. Options for handling IQA failures:

Delete the item from the batch and scan a second time.

• To delete, select Remove and confirm by choosing OK.

• Replace the item in the scanner feeder.

Delete the item and deposit via an alternative method.


• Place item to the side for depositing via alternative means.



• Modify the Expected Total.

Override the IQA failure to keep the item in the deposit.

• Before processing an override, ensure the image clearly displays the Date, Payee, Legal Amount and Signature. Additional bank processing fees may apply for transactions with images that are overridden incorrectly.

• To override, select Accept.

When items have overlapped or “piggybacked” DO NOT perform an image override. Instead, delete the image and re-scan each item separately.


• Rescan the affected items

Note: An error window may not always appear for all overlapping items. For this reason you should always review all images individually before selecting Send Deposit.



Sample IQA Error Message



Duplicate Detection RDC via HSBCnet provides on-screen duplicate detection for duplicate items scanned within the previous 45 calendar days. If a duplicate item is detected, the below error message will appear.

• Review the images to determine if the check was previously submitted

• Select Different Check if it is determined that the check was not submitted in a previous deposit.

• Select Same Check if it is determined that the check was submitted in a previous deposit.

Duplicate Detection

Deposit Reconciliation – Correcting an Out of Balance Deposit If after you have scanned all checks and the Expected Total does not match the total of the individual checks scanned, the deposit is out of balance. The difference between the amounts (either over or under) will be displayed at the bottom of the screen. The Submit Deposit button is disabled (grayed out). For information on editing a deposit see Item MICR Line Correction / Editing Dollar Amount.



Deposit reconciliation – correcting an out of balance deposit

Out of balance conditions may be caused by one or more of the following:

• Incorrect calculation of Expected Total.

• Check(s) included in the Expected Total but not scanned.

• Check(s) scanned but not included in the Expected Total.

• Check(s) processed through the scanner incorrectly (“piggybacked”).

• Check(s) that were unable to be scanned.

• Check(s) with discrepancy between legal and courtesy amount.

• Misread dollar amount during scanning.

To verify and correct an out of balance condition:

• Review each image separately and verify the amount is correct.

• Check for “piggyback” item(s).

• Verify that the Expected total equals the total of all checks and correct the Expected Total if needed.

• To correct the Expected Total:

o Select the link located at the bottom of the screen to change the expected total

o Enter the amount of the expected total

o Select OK to correct

• As errors are corrected, the system will update the difference amount.



To cancel a deposit:

If the deposit cannot be reconciled, or if necessary for any other reason, the deposit may be cancelled.

Note: Once a deposit is cancelled it cannot be recovered and must be rescanned.

• To cancel a deposit, select Cancel Deposit and then choose Cancel Deposit.

Cancel deposit option

Prepare Documents for Archival or Further Processing After deposits are transmitted via RDC to HSBC, store the original paper checks in a secure location for a designated period of time. This will prevent accidental redeposit and ensure checks are available for further review if needed. In the event that an image of a check is unreadable, HSBC may contact the corporate client for either a replacement image or require the original paper check to be deposited through alternative means.

• Remove scanned documents from scanner maintaining sequential order.

• Place any calculator tapes and/or other supporting documents with scanned documents.

• Secure with rubber band and archive for designated period of time, currently 60 days.

• If printed, include a copy of the Deposit Receipt.



See examples below:

Work secured by three rubber bands only. No paperclips, staples or excessive rubber bands. Items stay flat and undamaged.

Work is secured by numerous rubber bands and clips. This damages the MICR line and tears the items.

Small batch secured without excessive banding. No paperclips, staples or excessive rubber bands. Items stay flat and undamaged

Small batch is banded too tightly. This damages the MICR line, may tear the items, and causes curling.

Note: After designated period of time dispose of all checks by confidential waste.



Glossary – Remote Deposit Capture – List of Terms Term Definition

CAR/LAR CAR (Courtesy Amount Recognition) / LAR (Legal Amount Recognition) is the process where the hand written Courtesy Amount or Legal Amount is read to determine the amount of an item.

Check Truncation Conversion of a paper check to electronic or digitized image for clearing. Check Clearing for the 21st Century (Check 21) regulation authorizes images to be used to produce substitute checks (also known as IRDs) for processing, in place of paper checks. It also allows for Image Exchange to transfer or share images between financial institutions.

Deposit Transaction Deposit ticket and checks presented for payment. IQA Image Quality Assurance – process performed to check the

scanned images for quality. MICR Magnetic Ink Character Recognition – Line of information

encoded in magnetic ink at the bottom of US checks. Includes:

• Auxiliary On-US (Serial or Store Number) • Routing and Transit (R/T) which identifies the bank • Account Number • Serial Number • Transaction Code

Auxiliary On-US Field on MICR line of business style check that may contain the serial number of a commercial check or store number for an account. Field is generally blank on a personal check.

R/T Routing and Transit Number (R/T) identifies the Payor Bank, printed as part of the MICR information.

Account Number Account Number identifies the customer account at the Payer Bank.

Serial Number Check Number printed as part of MICR information and on the check face.

Tran code Transaction Code printed as part of the MICR line information that identifies the type of transaction. Can appear in the same area as a serial number on a personal check.

Amount Amount field identifies the legal dollar amount the check is written for. Courtesy Amount is written in numerals – e.g. $100.50 Legal Amount is the amount written in numerals and words – e.g. One Hundred and 50/100 dollars

Substitute Check / IRD Image Replacement Documents (IRDs) – a replacement document produced from an image of the original paper check. Position 44 of the MICR line contains IRD indicator 4 for substitute check and 5 for a returned IRD.

Transmission Electronic method used to send check images.



RDC via HSBCnet System Requirements Please verify that you meet all minimum system requirements below:

Administration Rights

• Depending on the security systems installed in your network environment, administrative rights are required to install the system hardware and software.

• Administrative rights are only required at initial install and for program updates.

Workstation or Laptop

• PC with Pentium 4 (or better) processor running at 2.5 Gigahertz (GHz) minimum required.

• 1 Gigabyte (GB) of RAM or higher recommended (lower memory may limit performance).

• 25 MB free hard disk space for Commercial Remote Deposit. Total hard disk space needed is dependent on the Operating System disk space requirements and other applications installed.

• XVGA (1024x768) or higher resolution monitor

• PC alphanumeric keyboard

• Compatible mouse

• High speed internet connection via cable or DSL (1.5 megabytes per second (MBPS) connection or higher)

• Open USB 2.0 port for connecting the check scanner

• Windows XP (SP3), Windows Vista (SP2) 32 or 64 bit, Windows 7 (Initial release) 32 or 64 bit

• Internet Explorer (32 bit versions only) - IE7, IE8, or IE9

• .NET Framework 4.0


Issued by HSBC Bank USA, N.A. © Copyright. HSBC Bank USA, N.A. 2013. ALL RIGHTS RESERVED. HSBC is licensed by DTC under U.S. Patent Nos. 5,910,988, 6,032,137, 5,265,007, 5,717,868, 5,583,759, 5,930,778, 5,774,663, 5,787,403, 5,899,982, 6,594,647, 6,341,272, 5,974,146, and 6,182,052. Pentium is a trademark of Intel Corporation in the U.S. and/or other countries. Microsoft, Internet Explorer, and Windows are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of HSBC Bank USA.