WIC CHECK PROCESSING WITH VENDOR NUMBER OVERLAY SYSTEM AND METHOD

A system and method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space. The digital image files are deposited as an image or substitute check if deemed ACH ineligible through image exchange. WIC checks are handled through image exchange. Vendor identifiers required for WIC processing are added to the check after scanning. The system identifies the state of the check and the particular store accepting the check in order to determine where to place the overlay and which vendor identifier to use.