Remote Deposit Capture (RDC)

What is remote deposit capture (RDC)?

Remote Deposit Capture (RDC) is a banking technology that lets you deposit checks without going to the bank. Using a scanner or mobile app, you can snap a picture of a check and submit it electronically. This speeds up cash flow, reduces trips to the bank, and makes managing your finances easier.

Imagine running a business where customers pay by check all the time. Instead of spending time driving to the bank, waiting in line, and manually depositing each check, RDC lets you snap a picture and deposit funds instantly—without ever leaving your office.

How does remote deposit capture work?

RDC is a simple process that takes just a few steps:

• Capture the check image – Using a computer scanner or mobile banking app, you take a clear photo of the front and back of the check.
• Submit the deposit – The image, check amount, and account number are securely sent to the bank.
• Bank verification – The bank processes the check, verifies its authenticity, and ensures sufficient funds.
• Funds are deposited – Once approved, the deposit shows up in your account within one business day.

Many businesses use RDC to streamline their accounting and get paid faster. It eliminates the hassle of physically handling checks and reduces the risk of losing them in transit.

Why businesses use remote deposit capture

For businesses that deal with frequent check payments—like law firms, medical offices, and contractors—RDC is a game changer. It speeds up access to cash, minimizes errors from manual deposits, and reduces bank visits. Plus, with built-in security features like encryption and fraud detection, it’s a safe way to handle check payments.