Saves You Time
Desktop scanner means no more trips to the bank.
Better Cash Flow
Deposit checks remotely and keep your business moving without a trip to the branch.
Multi-location Support
All locations deposit the same way with the same visibility.
Every trip to the bank to deposit a check is time you're not spending running your business. Remote Deposit Capture (RDC) lets you scan and deposit checks right from your business, through an approved scanner and our digital banking platform. Funds move faster, couriers become unnecessary, and your team stays focused on the work that grows your business.
More than just making a deposit.
Every feature helps save you a trip to the branch. Your deposits move fast, with improved consistency, visibility, and security.
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Desktop scanner integration: No more trips to the bank, saving you time and effort.
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High-volume processing: Improved efficiency, cuts labor costs, and saves you time.
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Custom user permissions: Maintain control of data, limit duplication of efforts, and improve security.
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Automated reporting: Limits data entry mistakes, speeds up cash flow, and creates a clear audit trail.
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Fraud screening: Added security to help protect your business from counterfeit, altered, or duplicate checks using real-time image analysis.
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Multi-location support: Eliminate going to multiple branches, reduce overhead, and accelerate cash consolidation.
How remote deposit capture works.
From scan to settlement, here’s what happens once you click deposit.
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You log in to digital banking to access RDC.
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Scan your checks using an approved scanner.
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We screen every deposit for risk and fraud protection.
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We review any flagged items before moving forward.
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Approved deposits are batched together.
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Your deposits settle through our scheduled processing runs.
What is the cutoff time for remote deposit capture?
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Activity |
Time |
|---|---|
|
RDC Deposit Cutoff |
4:00 p.m. PT |
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Batch Processing |
Every 2 hours (4:00 a.m. - 4:00 p.m.) |
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Funds Availability |
Every 2 hours (4:30 a.m. - 4:30 p.m.) |
[Treasury M...ning Final | PDF]
What is the fee for remote deposit capture?
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Service |
Fee |
|
Desktop RDC |
Requires scanner purchase and $30 monthly charge |
Which scanner is right for you?
We've put together a list of approved scanners that work seamlessly with remote deposit capture, so you can find the right fit for your business and get started.
For details on system requirements, approved scanners, and installing system software:
You'll need an approved check scanner connected to your computer and our digital banking platform. Review the approved RDC list here. Your business banking relationship manager or business banking support specialist can help you find a compatible scanner if you don't already have one. Or call 866.755.0628 to learn more.
RDC is available with Advanced Business Checking or Analyzed Business Checking for a $30 monthly service fee, plus the purchase of a compatible scanner.* RDC is not available with Basic Business Checking, but mobile deposit is included without a monthly fee, with applicable per-check charges.
Deposits are screened, batched, and settled through scheduled processing runs, so funds are typically available faster than waiting for a courier or a branch visit. Availability can depend on when you submit your deposit relative to daily processing cutoff times.
Flagged items are reviewed before final processing. Review may delay acceptance, settlement, or funds availability, and the Credit Union may reject or reverse deposits that do not meet RDC Agreement, check eligibility, or risk requirements.
Yes, custom user permissions let you control who on your team can access and submit deposits through RDC, so you stay in control of who's depositing on your business's behalf.
Yes, multi-location support means every location can deposit checks the same way, giving you consistent visibility across your business no matter how many branches you operate.
*Membership eligibility required. Remote Deposit Capture (RDC) is available with Advanced Business Checking and Analyzed Business Checking and is not available with Basic Business Checking. Enrollment, approval, an approved scanner, and execution of the applicable Remote Deposit Capture Agreement are required.
RDC is subject to applicable deposit limits, cutoff times, processing requirements, security procedures, and other terms and conditions. Deposits are subject to verification and may be rejected, returned, adjusted, or delayed. Funds availability is subject to FIG Credit Union's applicable funds availability policies and the Remote Deposit Capture Agreement.
Original checks must be retained and securely destroyed in accordance with the Remote Deposit Capture Agreement. FIG Credit Union may request the original check during the applicable retention period.
A $30 monthly RDC service fee applies. Purchase of an approved scanner is also required. Additional fees may apply. See the applicable fee schedule and Remote Deposit Capture Agreement for complete terms and conditions.