ARLINGTON, VA — A combination of expense and a lack of governmental mandate will mean that consumer desire will likely be the final arbiter of whether and when a majority of deposit taking ATMs in the US image their check deposits.

“The infrastructure for image check transfer and acceptance between institutions is up and running,” explained Jim Hanisch, executive vice president with CO-OP Financial Services and one of the key executives responsible for working out the networking and technical issues around check imaging. ” But there isn’t any real mandate to do it or to take it to the consumer level.”

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