Remote Deposit Capture: Best Practices

Jul 20, 2023 | Business, Core Bank, Personal


Remote deposit capture (RDC) is a service that allows bank customers to scan or capture images of check deposits and present them electronically to the bank of first deposit without having to physically deliver the paper check to the bank. With the increase in check fraud, please be sure to follow these best practices:

  1. Storage of Physical Checks
    • Securely destroy all physical checks 30 days after deposit.
    • Store checks in a locked area that is not accessible to unauthorized employees.
  1. Security
    • Computers that run the RDC system should be properly secured at all times.
    • Recommended security may include (but is not limited to) firewalls, virus protection, anti-phishing software, and key-stroke logging prevention.
  1. Review Checks before scanning
    • If a check of unknown origin is received by your company, do not deposit this item—Core Bank would be happy to assist in verifying the legitimacy of a check.
    • Make sure the check was issued by a legitimate bank. Look up the bank contact details on an official website. Do not use the bank information provided on the check.
    • Call the bank. Some will verify a check over the phone using the check number, date and amount.
    • Question the amount. If they paid more than what is owed this could be a red flag. The scammer could be hoping for a return of an “overpayment”.
    • Examine the quality. Look for official watermarks, security threads, color-changing ink, and other security features. Closely examine though as scammers will try to replicate markings.

Be careful to look out for fraud and spot scams with more of these tips. Learn more about the various ways to bank: Ways to Bank with Personal Banking | Core Bank