1. A computer-implemented method for determining a sequence of queries to be utilized for retrieving an image of a negotiable instrument, the method being performed by an intermediate computer in communication through respective networks with respective computers of a financial institution and of a user that has an account with the financial institution, the method comprising: the intermediate computer hosting an online banking program and receiving a first request for a first image of a first negotiable instrument that was utilized in a first completed transaction; the intermediate computer determining a first sequence of queries comprising respective query configurations available to attempt to retrieve the first image from a data store comprising respective images of respective negotiable instruments for respective completed transactions, the first sequence being determined based at least in part upon first historical data of whether respective query configurations were successfully used in the past to retrieve respective requested images from the data store; the intermediate computer submitting a first query of the first sequence to the data store; the intermediate computer receiving a first result generated by executing the first query; and the intermediate computer determining a second sequence of queries comprising respective query configurations based at least in part upon second historical data reflecting the first result, wherein at least one query of the second sequence of queries is executed to retrieve at least one image from the data store.