EMD Delivery



The Earnest Money Deposit simplifies the process of purchasing a home by allowing parties to securely transfer funds and documents while also verifying the borrower’s identity.

Having the capability to perform all tasks electronically offers several advantages, including time savings, reduced liability, and cost-cutting. By adopting electronic earnest money deposits, there’s no longer a necessity for wiring instructions, leading to a more secure payment process and decreased wire transfer fees. Additionally, our realtor clients will no longer be burdened with the manual delivery of earnest money checks. This change not only brings about a decrease in liability but also reduces personal expenses, providing realtors with greater peace of mind. Moreover, eliminating courier fees translates to savings for their clients, resulting in an enhanced overall home buying experience for buyers.

Introducing ZOCCAM, a secure and user-friendly solution for delivering your Earnest Money Deposit (EMD) in a safe and efficient manner, eliminating the need for wire transfers.

For properties and EMDs in Delaware, please contact your real estate agent or the Delaware office you may be using for settlement.

Key Features of ZOCCAM:

  • Safe, secure, and easy to use
  • No need for wire transfers
  • Compatible with iPhones, Android phones, and tablets
  • Free to download and use
  • Mitigates security risks associated with downloads and prevents potential fraud

ZOCCAM Instructions:

Step 1: Registration

  • Download ZOCCAM from the app store.
  • Register with your name, email address, and mobile number.
  • Enter your real estate license or notary commission, if applicable.
  • Verify your device with the PIN sent via text.
  • Create an 8-digit numeric passcode and confirm it.

Step 2: Capture Earnest Money Deposit

  • Sign in with your mobile number and the 8-digit numeric passcode you created.
  • Select “Capture.”
  • Choose “Earnest Money.”
  • Scroll to the escrow agent or type the first three letters in the search field and select the location.
  • Enter the property address, check amount, and email addresses.
  • Capture images of the front and back of the check on a dark, well-lit surface.
  • Email notifications will be sent to all parties entered.

ZOCCAM ensures the highest level of security

  • The application does not contain or store any financial information.
  • Unlike wire transfers, ZOCCAM does not disclose the title company account numbers of the bank.
  • The check is encrypted from capture to delivery, guaranteeing a secure transmission.
  • Multi-factor authorization enhances security for your peace of mind.
  • Data is safeguarded through Secure Socket Layer (SSL) with 2048-bit encryption.