Abstract: A check image capture system processes on-us and transit checks to achieve significant cost savings and efficiencies. The check image capture system includes an image pickup device 30, teller personal computer 32, check amount encoder 34, and check amount adder 36. Checks presented to the teller are scanned by the image pickup device 30, which forms image data representing respective images of the checks. Each check is then classified as an on-us check or a transit check. Transit checks are transported to the amount encoder 34 whereas on-us checks are truncated. The check amount adder 36 receives amount data for the transit checks and computes the total of the transit check amounts. The check amount encoder encodes each transit check with the amount associated therewith if the check amount total is correct.