Mobile Deposit Application - Salesforce Pardot...RDC – Remote Deposit Capture ... Below is a brief overview of the Menu options (each Product is explained in their own sections to

Revised: 6/07/2017

Mobile Deposit Application

Manual

2

Table of Contents Installation Instructions .........................................................................................................................................3

iOS (App Store) .......................................................................................................................................................... 3 iPhone ............................................................................................................................................................. 3 iPad ................................................................................................................................................................. 3

Android (Google Play Store) ...................................................................................................................................... 3 Application Permissions Setting .............................................................................................................................5

For Apple / iOS Products ........................................................................................................................................... 5 For Android Products ................................................................................................................................................. 5

Login Screen ...........................................................................................................................................................6 Dashboard ..............................................................................................................................................................7 Menu Options ........................................................................................................................................................8

Products Section ........................................................................................................................................................ 8 Utilities Section.......................................................................................................................................................... 8

Account History ............................................................................................................................................... 9 Account Settings ........................................................................................................................................... 10 Support ......................................................................................................................................................... 10 Logout ........................................................................................................................................................... 11

RDC – Remote Deposit Capture ............................................................................................................................ 12 Taking an Image of the Check ................................................................................................................................. 12 Processing a Business Check with Guarantee via RDC ............................................................................................ 14 Processing a Personal Check with Guarantee via RDC ............................................................................................ 15 Processing a Business Check without Guarantee via RDC ....................................................................................... 18 Processing a Personal Check without Guarantee via RDC ....................................................................................... 19

RDC Hold .............................................................................................................................................................. 21 Scheduling a Business Hold Check Transaction via RDC .......................................................................................... 22 Scheduling a Personal Hold Check Transaction via RDC .......................................................................................... 25

RDC COD .............................................................................................................................................................. 28 Obtaining a COD Preapproval ................................................................................................................................. 29 Finalizing a COD Approval ....................................................................................................................................... 30

ACH – Automated Clearing House ........................................................................................................................ 33 Processing a Business Check with Guarantee via ACH ............................................................................................ 34 Processing a Business Check without Guarantee via ACH ....................................................................................... 38 Processing a Personal Check without Guarantee via ACH ...................................................................................... 39

ACH Hold .............................................................................................................................................................. 40 Scheduling a Business Check Transaction with Guarantee via ACH ........................................................................ 41 Scheduling a Personal Check Transaction with Guarantee via ACH ........................................................................ 43

Check Verify ........................................................................................................................................................ 45 Verifying a Business Check with Guarantee ............................................................................................................ 47 Verifying a Personal Check with Guarantee ............................................................................................................ 49

Appendix A – Reapproving a Referral or Denial Transaction ................................................................................ 52 Appendix B – Transaction Statuses ....................................................................................................................... 53

3

Installation Instructions

To download the application to your mobile device, locate the application in the App Store for Apple iOS

mobile device users and the Google Play Store for Android mobile device users.

iOS (App Store)

Minimum Requirements

Any Apple Device that has iOS version 8.3 and above: iPhone 4s or later iPad 2 or later iPad mini or later iPod touch (5th gen) or later

iPhone

Locate the App Store application on your mobile device and search for

UTA Mobile Deposit or United Tranzactions. Select our application in the

search results and within the application download details select the

Install option in order to download the application to your mobile

device.

iPad

Locate the App Store application on your mobile device and

search for UTA Mobile Deposit or United Tranzactions. Be sure

to choose “iPhone Only” instead of “iPad Only”. Select our

application in the search results and within the application

download details select the Install option in order to download

the application to your mobile device.

4

Android (Google Play Store)

Minimum requirements

Android vers. 4.4 (KitKat) and above

Locate the Play Store application on your mobile device and search for

UTA Mobile Deposit or United Tranzactions. Select our application in the

search results and within the application download details select the

Install option in order to download the application to your mobile device.

5

Application Permissions Setting

UTA Mobile Deposit requests the following permissions from your phone in order to operate correctly: Camera

Access and Storage Access. When updating the application please make sure these permissions are allowed as

these are only set upon installation.

For Apple / iOS Products

Open the Settings app on your phone, scroll down to the list of installed applications on the phone and choose

UTA Mobile Deposit. Here you can enable the permissions for the application, please be sure Camera and

Cellular Data is allowed.

For Android Products

Pull up Settings on your phone, then choose Apps or applications. Go to the UTA Mobile Deposit Application,

and under the listing choose Permissions. Under permissions you should make sure the Camera and Storage

permissions are allowed.

6

Login Screen

Once the application has been downloaded onto your mobile device, when you open up the application it will

ask for a username, password and merchant number in order to login. Input this information on the login

screen and select Login to login to the application.

Note: You will not be able to register for the app or assign your credentials via the application as your

credentials will be distributed and assigned by UTA.

7

Dashboard

Once logged into the app, a designated Start Page will be displayed. The Start Page displays a segment of the

application that was assigned as the home page upon logging in to the app.

To modify the Start Page, please access the Account

Settings menu option within the application. For

instructions on how to change this setting, please see the

Account Settings portion of this manual.

Select the Menu icon in order to pull up the side display that will allow you to navigate through the application by accessing the different Products and Utilities that are configured to your account.

Note: You may not have access to all products illustrated throughout this manual.

8

Menu Options

The Menu displays all available Products that are configured to your account and the Utilities associated with

the application.

Below is a brief overview of the Menu options (each Product is explained in their own sections to come):

Products Section

RDC – Stands for Remote Deposit Capture, here you can remotely deposit the check and select the with and without a guarantee option. RDC Hold – Similar to the RDC product but distinctively allows you to assign a future settlement date for up to three checks at a time. RDC COD – This product allows you to obtain a “pre-approval” before delivering product to a customer and also allows for the option to “finalize” an outstanding “pre-approval” after a physical copy of the check is obtained from the customer. ACH – Stands for Automated Clearing House. Initiate a deposit when taking check payments over the phone or when a physical check is not present and banking information is obtained from a customer. ACH Hold – Similar to the ACH product but distinctively allows you to set a future settlement date for up to three checks at a time.. Check Verify – This is a “non-money” moving product that allows you to obtain an approval and a guarantee on a check with out the funds transfer component.

Utilities Section

Account History – View recent transaction activity processed within your account. Account Settings – Adjust the Start Page of the application and view your user account details. Support – Contact information is available if your require assistance. Logout – Allows you to end your session and exit the application.

9

Account History

View and access transaction details on payments that were

recently processed in this portion of the application. Select

the (plus) icon in order to bring a short overview of the

transaction’s details or select the Transaction Number in

order to bring up a complete overview of the captured

transaction details.

The search bar (“Search for” field) allows you to filter

through transaction activity and locate a specific transaction

or a range of transactions. Click on the column headers that

appear beneath the Search bar to sort the transaction data

in ascending or descending order based on the column you

choose.

10

Account Settings

Personal user information and start page settings are displayed within

this section.

To update your start page, click on the illustrated hyperlink

Select the down arrow in the drop-down list to bring up the Start Page

available options. Select your preferred Start Page option and click

Submit to save your selection.

11

Support

Located within this section is UTA’s main phone number, the

technical support email address and the version number for

the application.

If you are experiencing any technical issues with the

application, please feel free to contact technical support at

800-858-5256 ext 7195 or send an email to

[email protected] and they will get back to

you as soon as possible.

If you receive a Referral please contact our Authorizations

Department at 1-800-858-5875 for further instructions.

If you receive a Denial please have the check writer contact

our Check Services department at 1-800-407-7459 for more

information.

If you have any product, billing, training or customer service

related questions please call in to the main line and request

to speak with your Relationship Manager for further

assistance.

Logout

Selecting the Logout menu option ends your user session,

logs you out of the application and takes you back out to the

Login screen.

12

RDC – Remote Deposit Capture

Remotely deposit your personal and business checks and

select from the “with or without a guarantee” option. Note:

The Guarantee and Non-Guarantee options will be available

based on the settings registered for your company’s

account.

In addition to being able to process an RDC transaction, the

option to view recent RDC check activity will also be

displayed within this section of the app.

To see a quick view of a transaction, select the plus icon

next to the transaction number. Selecting this option

enables you to view the status of the transaction and a

listing of the transaction data that was captured when the

transaction was processed:

To pull up the entire transaction

detail select the Transaction # for

the transaction you wish to see.

13

Taking an Image of the Check

To get the best results, place the check against a contrasting background, keep it focused within at the least

half an inch of the screen edge and let the yellow borders surround the edges of the check and once it has

focused the yellow borders will change to green and capture the image. Be sure to keep the phone as still as

possible while it captures the image. After the front is captured it will ask to capture the back which we can

follow the same procedures.

If you need extra light and your device has flash capability you can press on the little flashlight icon while taking a picture of the check to activate the flash. Pressing it again will turn it off, or when you take an image of the back of the check it will automatically turn off.

14

Processing a Business Check with Guarantee via RDC

Selecting the RDC Guarantee (Business) option initiates the method to

capture an image of the check and process the transaction. To start, select

Capture Check Image.

Hover the mobile device directly over the check and ensure that the camera is

able to obtain the entire check into the screen. The application will

automatically surround the check with a yellow box as it is focusing and once

it has focused on the image, the box will turn green and capture the image of

the front of the check.

Once captured, a message will appear on the screen directing you to flip the check over and capture a picture of the back of the check. Select OK, then flip the check over and focus the camera on the back of the check just like the front. A pop up message stating “Location success” is displayed denoting that the app was able to capture the image of the check successfully.

The app will then display the data elements that were captured

from the check and provides you with the options to Retry the

image capture process or Complete to continue.

15

The next screen allows you to manually input required and optional

information from the check. Select the pen icon to input data or edit a field.

Once all the information is filled out and has been verified select the Submit

button at the bottom of the page to process the transaction.

Once you receive the approval response from our system, select OK in order

to view the transaction details and locate the Transaction Number for your

records.

Select the Back button in order to go back to the RDC Product menu.

16

Processing a Personal Check with Guarantee via RDC

Selecting the RDC Guarantee (Personal) option initiates the method to



Hover the mobile device directly over the check and ensure that the camera

is able to obtain the entire check into the screen. The application will




Once captured, a message will appear on the screen directing you

to flip the check over and capture a picture of the back of the

check. Select OK, then flip the check over and focus the camera on

the back of the check just like the front. A pop up message stating

“Location success” is displayed denoting that the app was able to

capture the image of the check successfully.




17


information from the check. Select the pen icon to input data or edit a

field.

Once all of the information is filled out and has been verified, select the

Submit button at the bottom of the page to process the transaction.

Once you receive the approval response from our system, select OK in

order to view the transaction details and locate the Transaction Number

for your records.

Select the Back button in order to go back to the RDC Product menu.

18

Processing a Business Check without Guarantee via RDC

Selecting the RDC Guarantee (Business) option initiates the method to






it has focused on the image, the box will turn green and capture the image

of the front of the check.

Once captured, a message will appear on the screen directing you

to flip the check over and capture a picture of the back of the

check. Select OK, then flip the check over and focus the camera on

the back of the check just like the front. A pop up message stating

“Location success” is displayed denoting that the app was able to

capture the image of the check successfully.




The next screen will allow you to enter in the rest of the

information from the check by selecting the pen icon which will

allow you to edit the field.

19

Once all the information is filled out and has been verified, select the Submit button at the bottom in order to

send the check information out in order to process the check through our system.

Once you receive the approval from our system, select OK in order to pull up the transaction details that will

show you the Transaction Number for the transaction and the rest of the details you entered.

Select the Back button in order to go back to the RDC Product menu and you should be able to see the most

recent transaction you processed in the recent transactions report.

20

Processing a Personal Check without Guarantee via RDC

Selecting the RDC Non-Guarantee (Personal) option initiates the method to




able to obtain the entire check into the screen. The application will automatically

surround the check with a yellow box as it is focusing and once it has focused on

the image, the box will turn green and capture the image of the front of the

check.

Once captured, a message will appear on the screen directing you to

flip the check over and capture a picture of the back of the check.

Select OK, then flip the check over and focus the camera on the back

of the check just like the front. A pop up message stating “Location

success” is displayed denoting that the app was able to capture the

image of the check successfully.

The app will then display the data elements that were captured from

the check and provides you with the options to Retry the image

capture process or Complete to continue.

The next screen will allow you to enter in the rest of the information

from the check by selecting the pen icon which will allow you to edit

the field.

21

Once all the information is filled out and has been verified, select the

Submit button at the bottom in order to send the check information out in

order to process the check through our system.

Once you receive the approval from our system, select OK in order to pull

up the transaction details that will show you the Transaction Number for

the transaction and the rest of the details you entered.

Select the Back button in order to go back to the RDC Product menu and

you should be able to see the most recent transaction you processed in the

recent transactions report.

22

RDC Hold

This product enables you to process up to 3 checks within one

Remote Deposit Capture transaction and assign a future

scheduled settlement date for each individual check.

Note: The “Hold” option will only be available if your company

has registered for this service.

In addition to being able to process an RDC Hold transaction, the

option to view recent Hold check activity will also be displayed

within this section of the app.

To see a quick view of a transaction, select the plus icon next to

the transaction number. Selecting this option enables you to

view the status of the transaction and a listing of the transaction

data that was captured when the transaction was processed:




23

Scheduling a Business Hold Check Transaction via RDC

Selecting the RDC Guarantee Hold (Business) option initiates the method to

capture an image of the check and process the transaction. Here you can scan

up to 3 checks; to begin select Capture Check #1.


able to obtain the entire check into the screen. The application will

automatically surround the check with a yellow box as it is focusing and once it

has focused on the image, the box will turn green and capture the image of the

front of the check.

Once captured, a message will appear on the screen directing you to flip the

check over and capture a picture of the back of the check. Select OK, then flip

the check over and focus the camera on the back of the check just

like the front. A pop up message stating “Location success” is

displayed denoting that the app was able to capture the image of the

check successfully.

The app will then display the data elements that were captured from

the check. If it scanned in incorrectly, select the X next to the check

you would like to rescan to remove it and start the process over

again. Select Next Step to continue. A confirmation screen will pop

up, select OK to continue.

24

The next screen allows you to manually input required and optional information from the check. Select the pen

icon to input data or edit a field.

Once all of the information is filled out and has been verified, select the Submit button at the bottom of the

page to process the transaction.

Once you receive the approval response from our system, select OK in order to view the transaction details

and locate the Transaction Number for your records.

25

Select the Back button in order to go back to the RDC Hold Product.

26

Scheduling a Personal Hold Check Transaction via RDC

Selecting the RDC Guarantee Hold (Personal) option initiates the method to

capture an image of the check and process the transaction. Here you can

scan up to 3 checks; to begin select Capture Check #1.






Once captured, a message will appear on the screen directing you to flip the

check over and capture a picture of the back of the check. Select OK, then flip

the check over and focus the camera on the back of the check just

like the front. A pop up message stating “Location success” is

displayed denoting that the app was able to capture the image of

the check successfully.


from the check. If it scanned in incorrectly, select the X next to the

check you would like to rescan to remove it and start the process

over again. Select Next Step to continue.

27

A confirmation screen will pop up, select Continue.


information from the check. Select the pen icon to input data or edit a

field.





for your records.

28

Select the Back button in order to go back to the RDC Hold Product.

29

RDC COD

Obtain a “pre-approval” on a transaction prior to receiving a

physical check and/or finalize a COD preapproval once the

physical check is retrieved. You will also be able to see “un-

finalized” preapprovals and finalized COD transactions.

Note: The “COD” option will only be available if your company has

registered for this service.

In addition to being able to process an RDC COD transaction, the

option to view recent COD check activity will also be displayed

within this section of the app.

To see a quick view of a transaction, select the plus icon next to

the transaction number. Selecting this option enables you to view

the status of the transaction and a listing of the transaction data

that was captured when the transaction was processed:


detail Select the Transaction # for


30

Obtaining a COD Preapproval

Selecting the COD Pre-Approval (Business) option initiates the method to

obtain a pre-approval. Enter in the appropriate information then select

Review to review the information you have entered. Select the pen icon to

input data or edit a field.




to view the transaction details and locate the Approval Number to finalize

with later. Press Back to go back to the RDC COD product screen.

31

Finalizing a COD Approval

There are two ways to finalize a COD

Approval. 1. Select the COD Finalize

(Business) option and manually

enter in the Pre-Approval number,

or 2. The recent transactions report

within the RDC COD product displays

outstanding pre-approvals that can

finalized by clicking on the Approval

number. Note: “un-finalized” pre-

approvals will have a green box

around the Approval number that

you will be able to select.

Select the COD Finalize (Business)

option, then enter in the Pre-

Approval Number for the COD you

want to finalize, or select the

Approval number within the recent

transactions report, then press Next.

Select Capture Check Image to initiate the capture of the image of the

check.

Hover the mobile device

directly over the check

and ensure that the

camera is able to obtain

the entire check into the

screen. The application

will automatically

surround the check with a

yellow box as it is

focusing and once it has

focused on the image,

the box will turn green

and capture the image of


Once captured, a

message will appear on

the screen directing you to flip the check over and capture a picture of

the back of the check. Select OK, then flip the check over and focus

OR

1

2

1

2

32

the camera on the back of the check just like the front. A pop up

message stating “Location success” is displayed denoting that the

app was able to capture the image of the check successfully.






Once all of the information is filled out and has been verified, select the Submit button at the bottom of the


Once you receive the approval response from our system, select OK in order to view the transaction details

and locate the Transaction Number for your records.

33

Select the Back button in order to go back to the RDC COD Product menu.

34

ACH – Automated Clearing House

Initiate a transfer within the ACH network for personal and

business accounts and select from the “with or without a

guarantee” option. Note: The Guarantee and Non-

Guarantee options will be available based on the settings

registered for your company’s account.

In addition to being able to process an ACH transaction, the

option to view recent ACH check activity will also be










35

Processing a Business Check with Guarantee via ACH

Selecting the option ACH Guarantee (Business) brings up an entry template

which will allow you to manually enter in the check information.

Once all the information is filled out and has been verified, select the

Review button at the bottom. Selecting the pen icon within a field will

allow you to edit the field’s information. Select the Submit button at the

bottom of the page to process the transaction.



for your records.

36

Select the Back button in order to go back to the ACH Product menu.

37

Processing a Personal Check with Guarantee via ACH

Selecting the option ACH Guarantee (Personal) brings up an entry template

which will allow you to manually enter in the information for the check.

Once all the information is filled out and has been verified, select the Review

button at the bottom. Selecting the pen icon within a field will allow you to

edit the field’s information. Select the Submit button at the bottom of the




records.

38


39

Processing a Business Check without Guarantee via ACH

Selecting the option ACH Non-Guarantee (Business) brings up an entry

template which will allow you to manually enter in the information for the

check.







records.


40

Processing a Personal Check without Guarantee via ACH

Selecting the option ACH Non-Guarantee (Personal) brings up an entry


check.







records.


41

ACH Hold

This product enables you to process up to 3 checks within

one ACH transaction and assign a future scheduled

settlement date for each individual check.

Note: The “Hold” option will only be available if your

company has registered for this service.

In addition to being able to process an ACH Hold

transaction, the option to view recent Hold check activity

will also be displayed within this section of the app.









42

Scheduling a Business Check Transaction with Guarantee

via ACH

Selecting the ACH Guarantee Hold (Business) option initiates the method to

capture an image of the check and process the transaction. Here you can scan

up to 3 checks; to begin select Capture Check #1. You will be able to enter in

the check information for each check here, and if you decide to remove a

check just select the X near the check number. Select Next Step to continue.

A confirmation screen will pop up, select OK to continue.





43



for your records.

Select the Back button in order to go back to the ACH Hold Product.

44

Scheduling a Personal Check Transaction with Guarantee

via ACH

Selecting the ACH Guarantee Hold (Personal) option initiates the method to

capture an image of the check and process the transaction. Here you can

scan up to 3 checks; to begin select Capture Check #1. You will be able to

enter in the check information for each check here, and if you decide to

remove a check just select the X near the check number. Select Next Step to

continue. A confirmation screen will pop up, select OK to continue.





45



for your records.

Select the Back button in order to go back to the ACH Hold Product.

46

Check Verify

Here you will be able to verify a check and receive an

approval.

Note: This will not initiate an ACH transfer nor remotely

deposit the check.

In addition to being able to process a CKG transaction, the

option to view recent CKG check activity will also be










47

Verifying a Business Check with Guarantee

Selecting the option Check Verify Guarantee (Business) brings up an entry


check, or to capture an image of the check in order to populate the check,

routing, account and amount information from the capture to the entry

template. For detailed instructions on how to take an image of a check,

please see “

48

Taking an Image of the Check“.

Once all the information is filled out and has been verified, select the Review button at the bottom. Selecting

the pen icon within a field will allow you to edit the field’s information. Select the Submit button at the bottom

of the page to process the transaction.

Once you receive the approval response from our system, select OK after the 10 second pause in order to view

the transaction details and locate the Transaction Number for your records.

49

Select the Back button in order to go back to the Check Verify product menu.

50

Verifying a Personal Check with Guarantee

Selecting the option Check Verify Guarantee (Personal) brings up an entry


check, or to capture an image of the check in order to populate the check,

routing, account and amount information from the capture to the entry

template.





51

Once you receive the approval response from our system, select OK after

the 10 second pause in order to view the transaction details and locate the

Transaction Number for your records. Select the Back button in order to go

back to the Check Verify product menu.

52

Appendix A – Reapproving a Referral or Denial Transaction

Should you receive a referral or declined / denied message, you will need to call in to the Authorizations

Department in order have the transaction further processed by an operator.

Press on the number (you may need to long press on the number) provided in the message from the

application in order to call the Authorizations Department. Be sure to keep the referral or denial number to

provide to the operator so they may further process the transaction. ACH Hold and RDC Hold transactions will

not show the Referral or Denial number; you will need to provide the Agent with your merchant number so

they may look it up in the system.

If the transaction is approved you will need to pull up the product menu you were using to process the

transaction under initially which will show the recently approved transaction with a green rounded rectangle

around the approval number and with a status of Pending which will denote that you can resubmit that

transaction by pressing on the approval number.

Please note that you will not need to reprocess a Check Verify transaction or an RDC COD preapproval. For RDC COD preapprovals, once approved you will be able to finalize the transaction normally as it will show in the transaction reports. Check Verify transactions, once approved, will show up in the recent transactions report once the Check Verify menu is opened again after navigating to another menu.

53

Press on Next which will allow you to finalize the transaction by resubmitting the initial information entered prior to the referral or denial. Upon submitting the transaction again you will be given the same approval number from the referral/denial. You can confirm completion of finalizing the referral or denial by checking under the recent transaction reports for the product you processed under.

Appendix B – Transaction Statuses

When looking up a transaction within the various reports (Account History, Dashboard and within the menu

where you are able to process a transaction for every product) you may come across the following statuses of

the transactions listed. Here they are and what they do:

Approved – The transaction has been approved and will be processed by the system at 7:00pm EST.

Pending – The transaction has been approved and is pending finalization. You will be able to finalize the

transaction by clicking on the approval number within the report the transaction was processed under.

Referral – The transaction needs to be further processed by our system. You will need to contact our

Authorizations department at 1-800-858-5875 with the referral number so they may process the check further.

If approved, you will need to re-process the check again by pressing on the approval number within the report

the transaction was processed under with the exception of transactions processed under Check Verify and

COD Pre-Approvals, you will not need to reprocess those transactions as once approved they will appear in the

respective recent transactions report.

Submitted – The transaction has been submitted to the system and will be funded to your account depending

on the type of funding set up for your account.

Transferred – The transaction has finished processing through the system and should shortly reflect in your

account statement.

Voided – The transaction has been voided through the system and will not be processed.

Documents

Mobile Deposit Application - Salesforce Pardot...RDC – Remote Deposit Capture ... Below is a brief overview of the Menu options (each Product is explained in their own sections to