• Avoid the risk of loosing traditional core service offering of check processing to third party providers & more importantly, the relationship! The best defense is a good offense!
• Expand your reach for check deposit activity from merchants that are outside geographically located bank branches.
• Increase ACH volume and decrease paper handling requirements.
• Improve competitiveness in the market by offering a new, high-value product to make available to your customers.

In the wake of paper to electronic technology advances, financial institutions are at risk in loosing a traditional core service offering of check processing to third party service providers. Geographical regional advantages and branch banking footprints will not protect a financial institutions foothold against this threat given the electronic movement of check transactions. - EnCircle provides solutions to fill the service gap between paper and electronic check processing for financial institutions and their constituencies.

• Pioneer in the check conversion business.
• World class technology and banking experience.
• End to end check processing services.
• ACH origination services and custom interface software development.
• Turn key product implementation and service offerings.
• Marquee customer and partner list.
• Check conversion and check service experts.

EnCircle was founded to provide financial institutions electronic check solutions to support the evolution of paper-based to electronic check processing. Through many years of practical check conversion implementation and processing experience, EnCircle has evolved its products and services to account for various nuances that new processors will only gain through similar experience.

The business of processing checks and increasing ACH volume is core to Treasury and Cash Management financial service entities - you must trust extended check conversion processing services to experienced experts! EnCircle understands the unique and sometimes complex business of managing cash consolidation services and performing analysis on funds management services. EnCircle has designed all product offerings to allow for ACH origination services (link to ODFI Origination) to be managed by the financial institution channel that delivers original transactions. This service will allow Treasury and Cash Management organizations to enjoy increased ACH volume and improved customer services outreach as check conversion solutions are offered to their customers.

In addition to protecting this core check processing service legacy, EnCircle can help financial institutions realize more revenue, reduced expenses and increased customer satisfaction through electronic check service offerings.

• Accounts Receivable (ARC) : Allows VISA POS Check users to process check information from the consumer via the mail or drop-box remittance service and enter the check data directly into EnCircle's Internet site. Check verification , guarantee and collection services available.
• Re-presented Check Entry (RCK) : Electronically accelerates the collection of consumer checks that have been returned by the originator's bank for insufficient funds. Collection services available.
• POS Check Conversion : A fully integrated "end-to-end" system for converting checks into electronic funds transfers (EFT's) at the Point-of-Sale (POS). Check verification , guarantee and collection services are available.
• Mail Order Telephone Order (MOTO) : Allows VISA POS Check users to accept check information via the phone for the purchase of goods and services. Check verification , guarantee and collection services are available.

EnCircle makes available to financial institutions all check services and turn-key solutions as either branded service offerings or as private label extended service solutions. Please contact EnCircle to learn more about our suite of service offerings.

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