How RDC works
A business captures the check image, transmits deposit data through the bank's system and retains the original paper according to the bank's agreement and retention instructions.
Operational benefits
RDC can reduce branch trips, centralize deposits from multiple offices and improve daily cash positioning for businesses that receive many checks.
Core controls
| Control | Why it matters |
|---|---|
| Restrictive endorsement | Mark checks for deposit according to bank instructions |
| Secure storage | Protect originals during retention period |
| Destruction process | Destroy after required retention period |
| Deposit log | Track date, amount and account |
| Duplicate prevention | Prevent rescanning or mobile redeposit |
Bank limits vary
Banks may set customer-specific daily or rolling limits based on account history, check volume and risk profile. High-volume customers may need commercial RDC rather than consumer-style mobile deposit.
Risk management is part of the service
FDIC/FFIEC guidance treats RDC as a delivery system with operational, legal and compliance risks, not merely a convenience feature.
Primary sources and reference material
Match the payment rail to the operating need.
Cost, speed, finality, fraud controls, reconciliation and staff permissions all matter. The best treasury setup is the one that fits the business process—not the one with the most features.