A computer-readable medium comprising a program product for deposit processing at a central system a plurality of checks with accompanying deposit information, comprising: at least one computer-readable medium having computer readable program code embodied therein or among them if more than one medium, to be executed by a computer, the computer readable program code, when executed, capable of causing a machine to perform the following method steps the central system receiving deposit information for a plurality of different deposit transactions, with the deposit information including for each of the different deposit transactions a deposit account designation in a bank of fist deposit, electronic check data and original check image data for at least one check to be deposited, wherein the central system is separate from MICR capture, deposit accounting, cash management, and float processing systems for the bank of first deposit; a computer at the central system comparing at least one deposit parameter that is not an account number to an individual customer limit in advance of transmitting any of the deposit information to the bank of first deposit; sending a communication if the individual customer limit is exceeded; the central system performing at least one of sorting the received deposit information and error checking the received deposit information in advance of transmitting any of the deposit information to the bank of first deposit; the central system transmitting at least some of the deposit information for each different deposit transaction to the bank of first deposit; the central system transmitting electronic check data and check image data directly or indirectly to the maker bank, or to a Federal Reserve Bank or a correspondent bank, or to a print site for ultimate delivery in hard copy to a maker bank, with this transmitting bypassing the MICR capture, deposit accounting, cash management, float processing or other systems of the bank of first deposit. view more

The computer-readable medium as defined in claim 1, wherein the deposit parameter is a number of monetary items in the deposit information and the individual customer limit is customer number of monetary items limit.

The computer-readable medium as defined in claim 1, wherein the deposit parameter is total monetary amount of a deposit in the deposit information and the individual customer limit is a customer total monetary amount deposit limit.

The computer-readable medium as defined in claim 1, wherein the deposit parameter is monetary amount of a monetary item in the deposit information and the individual customer limit is a customer monetary item amount limit.

The computer-readable medium as defined in claim 1, wherein the deposit parameter is a number of deposits and the individual customer limit is a number of deposits limit.

The computer-readable medium as defined in claim 1, wherein there are at least two deposit parameters compared against respective individual customer deposit limits, with two deposit parameters selected from the group consisting of a number of monetary items in the deposit information with the individual customer limit being a customer number of monetary items limit, a total monetary amount of a deposit in the deposit information with the individual customer limit being a customer total monetary amount deposit limit, a monetary amount of a monetary item in the deposit information with the individual customer limit being a customer monetary item amount limit, and a number of deposits and the individual customer limit is a number of deposits limit. view more

The computer-readable medium as defined in claim 1, wherein the program code for receiving deposit information receives deposit information for a plurality of different deposit transactions each including a deposit account designation to a different bank of first deposit; and further comprising program code for sending at least some of the deposit information for each different one of a plurality of the deposit transactions to a respective different one of the banks of first deposit. view more