Cheque Image Search

BWBProgram - Questions and Answers

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Do I need specific software in order to view check images?

In addition to having access to Online banking for Business, WinZip is required to download the images to your PC. Each zip file can contain up to 40 images (front and back of 20 checks) in JPEG format.

TIP: Disable any pop-up blockers

Does Online Banking for Business have a “check image” section or module?

Yes.

Images of checks drawn on regular checking accounts are under the “Account Information & Transfers/Account Info/Search/Images” menu.

Images of checks drawn on DirectCheque (DCH) pseudo accounts are located under the “DCH/FACS” menu.

Are check images available from all types of BMO accounts?

Yes.

How can I distinguish between the different types of accounts?

A helpful tip to know is that transit numbers beginning with an “8” or “9” are DirectCheque (DCH) accounts. To determine currency, account numbers beginning with a “1” are CAD and account numbers beginning with a “4” are USD.

E.g.: CAD checking account: 31442/1011-555

E.g.: DCH account: 80112/1022-555

If I don’t know the account number, can I search using the account name?

No, the account number is required. Check images are only searchable once the account number has been specified. Accounts will be listed numerically (not alphabetically) in a drop down list with the account name listed beside the account number.

You will be unable to search by client name.

TIP: To avoid unnecessary searches and fees, the more information that you have prior to initiating a search, the better.

For instance, ensure you have obtained your client’s full account number and account name to avoid unnecessary searches. If you cannot obtain the client’s account number, try searching your own records for the correct account number prior to executing a search.

How many items can be returned when an image search is executed?

Up to 300 items can be returned per search on a specific account; from this sortable list, you can select up to 20 cheques to retrieve at once.

How many days in the past can I search for these items?

Check images are accessible for up to 100 calendar days preceding the current date; after that point, you can contact the BMO Client Service Team to trace an item.

If my client does not have TECP standard 006 compliant checks, can their checks still be imaged and viewed?

Yes, client’s checks that are not compatible with Standard 006 will still be imaged and can be viewed. The ability to image and view a check online are not dependent on TECP compliance.

Will Bank of Montreal grant access to this service to all of my bank’s users?

No. There is an administrator setup, and BMO will provide one administrator in your company access to all of your clients’ check images. It is that administrator’s responsibility to then provide access to your remaining users through Online Banking for Business

Is there a separate fee for viewing an item and a separate fee to download an item?

Yes, there are separate fees. For example, if you first choose to view an item, and then choose to download the item, you will be charged twice.

TIP: If you wish to keep a copy of a check or view it more than once it would be advisable to download the image to your PC first, and then view it as many times as you wish. You may also want to copy your images onto a CD for your own archive.

Is Cheque Image Search available to my Bank’s clients? If so, is the pricing for the service the same for the clients as it is for me (the bank)?

Yes, Cheque Image Search is available to your clients. It is up to your bank to decide if you would like to extend this service to your clients. Pricing for your clients vs. your bank will be different, please contact your BMO Global Treasury Management Sales Representative for more information.

Are check images available on CD-ROM?

Currently, only checks issued using BMO’s DirectCheque (DCH) or FACS services are available on a CD-ROM. Wholesale Lockbox images can be viewed online or on a CD-ROM.

Is there a bulk file delivery option available for large volume check images?

Yes.

Bulk Image Deliveryallows for a direct ‘system to system’ connection between BMO and your bank. An electronic file containing all your clients’ processed check images can be securely sent to you over the internet on a daily basis. You can then provide these images to your clients using your own specified communication method.

For Internal Use Only Updated: June 9, 2011

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