Abstract: Embodiments of the invention provide apparatuses and methods for processing rejected checks. Checks that are rejected for deposit at deposit locations are captured on-site. A carrier picking up the rejected checks at the deposit location sorts the rejected checks into envelopes with data recognition markings. The recognition markings on the envelopes help with sorting and identifying the checks as rejected, as well as providing data to associate the rejected checks with a customer or an account. Image files are created for the rejected checks using an image capture system. Data files are created to match-up with the image files. The rejected checks are investigated to populate the data file, in order to determine how to process the rejected checks. The checks are submitted for posting and settlement often before any claims are made by customers for provisional funds for their rejected checks.

Abstract: A reloadable prepaid platform configured to permit reloading of a general purpose prepaid card at an automated teller machine (ATM) is disclosed. Particularly, the prepaid platform interacts with an ATM of the financial institution associated with the prepaid card in order to receive funds from the user at the ATM and reload the prepaid card. The reload may generally be a cash reload; however, check reloads as well as transfer reloads from other accounts are contemplated herein.

Abstract: Embodiments of the invention provide apparatuses and methods for processing rejected checks. Checks that are rejected for deposit at deposit locations are captured on-site. A carrier picking up the rejected checks at the deposit location sorts the rejected checks into envelopes with data recognition markings. The recognition markings on the envelopes help with sorting and identifying the checks as rejected, as well as providing data to associate the rejected checks with a customer or an account. Image files are created for the rejected checks using an image capture system. Data files are created to match-up with the image files. The rejected checks are investigated to populate the data file, in order to determine how to process the rejected checks. The checks are submitted for posting and settlement often before any claims are made by customers for provisional funds for their rejected checks.