Specifications include, but are not limited to: This request for proposal (RFP) is being solicited by Lackawanna County Treasures Office for purposes of establishing consolidated, professional, government banking services for the County. DEPOSITORY SERVICES 1. Indicate various deposit products currently offered by the institution, including the tiered balance rate structures and maintenance fees. 2. Describe the institution’s return item processing and re-depositing protocol. 3. Describe the institution’s current image processing capabilities. Include hardware and software requirements and online accessibility. 4. Include hours of operation and requirements for service at available local branches and customer service centers. 5. Include the deposit processing capabilities such as splitting deposits amongst multiple accounts. ACH AND WIRE TRANSFERS 1. Describe how repetitive domestic wires are established, initiated and confirmed. 2. Describe how the County would originate an ACH file and the associated daily deadline times. 3. Describe the security measures used to protect the integrity and authenticity of all incoming and outgoing wires and ACH initiations/originations/receptions. ACCOUNT RECONCILIATION 1. Describe the institution’s full account reconciliation and positive pay protocol. The description should include the institution’s data transmission capabilities in report format for County inspection upon request. 2. Describe the bank’s web-based services as they pertain to stop payments, copies of paid checks, ACH exceptions and voided checks. The proposal should indicate if electronic imaging service is included in the proposal and any costs associated for this service. 3. Indicate the institution’s policy regarding daylight overdrafts.