a system that includes computer hardware , computer software , apparatus , and methodology that enables individuals , businesses , and all types of organizations to capture and securely transmit check images , deposit information , and other information from remote locations , for the purpose of having those checks credited to the depositing individual &# 39 ; s or organization &# 39 ; s bank account and having the check images entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker &# 39 ; s account .