Key takeaways
- Remote deposit capture (RDC) lets businesses deposit checks with a scanner or a mobile device.
- It saves members time and helps credit unions serve businesses beyond their branch footprint.
- Set deposit limits, monitor duplicates and train members on retention and destruction of checks.
Many businesses still receive checks from customers. Remote deposit capture turns those checks into digital images and deposits them without a branch visit, which is why it is one of the first services business members ask for.
Scanner RDC and mobile RDC
- Scanner RDC fits businesses that deposit many checks at once, such as property managers, medical offices and distributors.
- Mobile business RDC fits smaller volumes and owners who are on the move.
Benefits for business members
- Fewer trips to the branch.
- Faster deposits and access to funds.
- Images and reports that simplify reconciliation.
Benefits for your credit union
- Serve businesses across a wider area without new branches.
- Strengthen the operating account relationship.
- Lower teller and processing workload.
Managing RDC risk
- Underwrite each business and set daily and monthly deposit limits.
- Detect duplicate presentments and altered items.
- Train members on how long to keep checks and how to destroy them securely.
Tru TreasuryWe help credit unions roll out RDC with the policies, training and onboarding to match.Connect with the team
Frequently asked questions
What is remote deposit capture?
Remote deposit capture lets a business deposit checks electronically using a scanner or mobile device instead of visiting a branch.
Is RDC safe?
Yes, when paired with underwriting, deposit limits, duplicate detection and clear member procedures.
Who needs scanner RDC?
Businesses that receive a steady volume of checks, such as property managers, medical practices and wholesalers.