ZOCCAM Electronic Earnest Money Deposit

REGISTRATION

1. Click this link – Deposit Escrow Funds
2. Register with name & email address and mobile number.
3. Enter real estate license, if applicable.
4. Create an 8 digit numeric password & confirm password.
5. Verify device with PIN sent via text.

CAPTURE EARNEST MONEY DEPOSIT

1. Sign in with mobile number and 8 digit numeric passcode you created.
2. Select Escrow Deposit.
3. Type “Thurston County Title” in search field.
4. Enter contract information, then click payment options.
5. Select preferred payment option – Paper Check or Create [E-Check]. 
6. If you select Paper Check:
   • ZOCCAM will sent you a text message with link to capture a photo of the check. The message will include the zipcode of the property.
   • Take picture of front and back of check on a dark, well lit surface.
   • Once both photos have been captured, you will see a Transaction Success Message on the web app.
   • Click Finish to complete the flow.
7. If you select Create:
   • Enter account and routing details then submit.
   • ZOCCAM will generate the secure electronic check automatically.
   • You will receive a text message to verify the e-check and sign it digitally.
   • Click Submit Check, and you will get a Transaction Completion Success message on the web app.
8. Email notifications will be sent to all parties entered.

FREQUENTLY ASKED QUESTIONS

No, duplicate checks are rejected at the time the user attempts to send. The user is notified that it is a duplicate.

Does ZOCCAM ensure Image Quality?
Every Image undergoes an Image Quality Assessment and every image format conforms to the Image Quality and TIFF Tag Requirements. ZOCCAM is able to capture and pass an exact representation of the MICR line.

Does ZOCCAM require the user to Log In and Log Out?
Yes, ZOCCAM requires the user to create a Personal Identification Number.

What does the User do with the Check after it has been sent?
Once the check has been sent the Buyer should keep the check for their files.

Does the Title Company receive a copy of the Check?
A watermarked check is sent to the title company at the time the transaction occurs.

My bank only allows deposits of up to $2000 with MRDC. What is the limit for ZOCCAM?
ZOCCAM has no limit and any limits are handled between the financial institution and the escrow recipient.

What is Check 21?
Check 21 is a federal law that is designed to enable banks to handle checks electronically, which makes check processing faster and more efficient.

What information does the Title Company receive with the deposit?
Buyer name, seller name, property address, check amount, listing agent name and email, buyer’s agent name, email and license number.