Remote Deposit Capture

Frequently Asked Questions

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Is Remote Deposit Capture (RDC) right for my company?

Generally, RDC helps lower costs associated with deposit preparation and delivery. If a company processes checks that tend to be in amounts over $100 and drawn against non-local banks, they might benefit from reduced float and expedited returns.      

Who within a company would be a primary user of RDC?

Anyone within a company who already prepares and/or delivers deposits to the bank can use RDC. The company specifies which employees to set up in the system and their account access level. The optional Dual Control feature in the RDC Treasury service allows one employee to complete a deposit while another employee reviews and approves the deposit before it is submitted to the bank.

What types of checks can be processed through RDC?

Any U.S. dollar checks drawn on banks with valid U.S. Routing and Transit numbers are generally accepted, including personal checks, business checks, postal money orders, Traveler's Checks, and government checks. Non-U.S. dollar checks are not accepted and there are some restrictions on checks listed in the Master Services Agreement (MSA). Remotely Created Checks (RCCs) are not allowed to be deposited based on the bank’s deposit agreement.      

How long should the original checks be retained after the bank has processed them?

It is suggested that the original checks be stored in a secure location for no more than 45 days before destroying them.

How long are the check images available?

The images are available for viewing online for the current month plus the previous 24 months. RDC also allows images to be downloaded and stored on a company’s internal archive.

Does a company’s use of RDC impact their clients?

The impact is nominal. Checks are simply converted to an image and exchanged electronically. Depending upon their own bank's capabilities and account features, they will receive either an image of their check or a substitute check in their statement, in place of their original check. 

Will any bank accept a Substitute Check instead of the original check?

If an image cannot be forwarded for payment in the collection process, an industry standard substitute check will be created and forwarded for collection and payment by the paying bank. The substitute check can be processed by any domestic financial institution. 

How are returns handled?

Deposited items being returned follow the same returns process as deposited items at a teller window.  A substitute return check is created and sent back to the depositor.   

What type of confirmation is received for deposits made via RDC?

The deposit transaction can be viewed through the bank's internet-based reporting tools, such as online banking. Users may also elect to receive an email notification confirming the deposit has been received.  

Can a company’s headquarters view deposits that are made via RDC?

Users at locations other than where the workstation resides, such as the company headquarters, can access the RDC system, view deposits and pull reports showing deposits submitted by all locations.

Can the deposit information on the RDC software be transferred to a receivable software?

The RDC system provides users the ability to download deposit data in CSV format. Company employees can download the information and modify the data format to map the deposit information into their receivable software. 

What security controls are provided?

User credentials are established within the system leveraging multi-level authentication methods.

How is RDC installed?

We welcome your call to confirm system requirements and assist with installing your scanner on your workstation.  Additionally, instructions are available in our RDC Resource Center along with videos and training guides.  

What if a user is unable to process a deposit?

In the unlikely event that a user is unable to process a deposit, simply visit a banking center and use the manual paper method.  

How long does it take to get the service set up?

Typically, set up for standard service takes up to five working days after the required documents have been signed and submitted. Custom configurations, such as custom data entry and remittance capture configurations, may take an additional ten days. 

Are there warranty options available for the equipment?

Yes, a manufacturer warranty applies as well as a Rapid Exchange service plan that allows a scanner to be shipped in advance of returning it to the manufacturer, so users are not without a scanner for an extended period of time.

What is the difference between a single-feed scanner and a multi-feed scanner? How does one benefit the client over the other?

The single-feed scanner requires the user to drop one check at a time into the feed module. The multi-feed scanner allows the user to set a group of checks into the feed module, and the scanner will automatically feed each check individually.  

What is the maximum length for the Custom Fields and the Payment Data Fields where users may enter miscellaneous information, such as customer ID, invoice number, address, etc.?

The maximum number of characters in a field depends on the nature of the data in the field, and with a custom setup the number of characters can vary by field with a maximum number of 250 characters. 

What is the maximum number of items that can be deposited?

The RDC Business service can process 50 items per deposit. The RDC Treasury service is capable of processing up to 500 items per deposit. If a deposit exceeds the limit noted for each service type, a new batch/deposit will automatically be created starting with the next check. 

Is there a limit to how many accounts a single client/user can have set up on RDC?

There is not a limit on the number of accounts that can be set up.

What is the latest time that a deposit can be submitted to have it post same day?

Deposits can be submitted until 9:30 p.m. Mountain Time for same-day ledger credit to the account.