ARC Check Processing

1. Check is scanned at either the Point of Sale (POS) or in the back room.
1. Two files are created
   • Image file
   • Fed batch file
2. Must have checks and balances for these files

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2. Created files are processed to Professional Payment Services
1. Client must set up 2 accounts at Capital City Bank
1. One for deposited items
2. Other for returns
   • This account must have a pre-determined dollar amount kept in it at all times.

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3. Files are processed as follows.

   1. Fed batch is sent to bank same day it is received
      • If received before noon funds will be credited the same day.
      • If after noon they will be credited the next banking day.
   2. Image file is checked and saved in client folder on PPS server

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4. Feds have up to 48 hours to process returns.

   1. Those returns are deducted from return account at Capital City Bank.
   2. Check that do not clear will be processed as follows.
      1. Represented without any service fee.
      2. Represented with a service fee.
      • Must have notice on billing stating “IF ITEM IS RETURNED IT WILL BE REPRESENTED FOR THE FACE AMOUNT AND FEE”.
      3. Forwarded to PPS for further collection efforts.