Specifications include, but are not limited to: Required Depository Services include: Be a Bank or Banking Corporation as defined by Nebraska Revised Statute 8-101-.03, Establish demand deposit accounts as detailed above to meet the banking requirements described herein and maintain accurate records of activity in those accounts, Offer Zero Balance Account (ZBA) services, and Offer secure online banking services. Receivables Management Services: LES processes deposits through a number of different channels: Remote check deposit of scanned check images ACH direct debit authorized by customers Checks mailed to a retail lockbox (see Service Group 2) Online payments by credit card, debit card or e-check through the LES website Walk-in payments at one or two LES locations Payments received at drop box locations Payments received and processed by authorized retail locations Payments received by a telephone Interactive Voice Response (IVR) system ACH deposit from customers’ online banking bill payment services ACH or Fedwire payments directly from customers