Remote Deposit Capture

Deposit checks from your office, home, or on the go. Save time, reduce trips to the bank, and get faster access to your funds.

24/7 Deposit Anytime
Next Day Funds Available
$50k+ Daily Limits
Remote Deposit

How Remote Deposit Works

1
Scan Your Checks

Use a desktop scanner or mobile device to capture check images

2
Enter Deposit Amount

Verify amounts and select the account for deposit

3
Review & Submit

Review images and amounts before submitting

4
Funds Deposited

Receive confirmation and funds credited to your account

Remote Deposit Process

Remote Deposit Solutions

Choose the right solution for your business needs.

HIGH VOLUME

Desktop Scanner

$49/month
  • High-speed check scanning
  • Batch processing capability
  • Up to $50,000 daily limit
  • Automatic endorsement
  • Integration with accounting software
Get Started
ON-THE-GO

Mobile Deposit

Included with app
  • Deposit from smartphone or tablet
  • Up to $5,000 daily limit
  • Take photos of checks
  • Instant deposit confirmation
  • No additional equipment needed
Get Started
ENTERPRISE

Multi-Location RDC

Custom pricing
  • Centralized management
  • Scanners at multiple locations
  • Consolidated reporting
  • Custom user permissions
  • Priority support included
Contact Sales

Supported Scanners

We support a wide range of check scanners from leading manufacturers.

Magtek Scanner

Magtek Excella

High-speed mixed-feed scanner

Up to 50 checks/min
Digital Check Scanner

Digital Check TellerScan

Reliable, high-volume scanning

Up to 80 checks/min
Panini Scanner

Panini Vision

Compact, desktop scanner

Up to 30 checks/min
Canon Scanner

Canon imageFORMULA

Versatile office scanner

Up to 40 checks/min

View All Supported Scanners

Deposit Limits by Account

Limits increase with your account history and relationship. Higher limits available upon request.

New Accounts (0-6 months) $2,500 daily / $10,000 monthly
Established (6-12 months) $5,000 daily / $25,000 monthly
Premium (1+ years) $10,000 daily / $50,000 monthly
Business Plus Checking $25,000 daily / $100,000 monthly
Business Premium Checking $50,000 daily / $250,000 monthly
Deposit Limits

Free Scanner Offer

Get a free desktop scanner when you sign up for remote deposit and maintain a $10,000 minimum balance.1

Benefits of Remote Deposit

Save Time

No more trips to the bank. Deposit checks in seconds from your office.

Reduce Costs

Save on gas, courier services, and employee time spent on deposits.

Faster Funds

Next-day availability on deposits made by cutoff times.

Secure

Encrypted transmission and secure storage of check images.

Digital Records

Check images stored in online banking for easy retrieval.

Integration

Export deposit data to QuickBooks and other accounting software.

Detailed Service Information

Setup & Requirements - Complete Details

Getting started with remote deposit is quick and easy. Here's what you need to know.

Requirements:

  • Business checking account in good standing
  • Minimum 6 months account history (waived for Business Plus/Premium)
  • Compatible scanner or mobile device with camera
  • Windows or Mac computer (for desktop scanner)
  • Internet connection (high-speed recommended)

Setup Process:

  • Complete remote deposit agreement
  • Receive software download instructions
  • Install and configure scanner (if applicable)
  • Complete test deposit
  • Start depositing – typically 3-5 business days total
Cutoff Times & Availability - Complete Details

When you deposit determines when funds are available.

Cutoff Times:

  • Eastern Time Zone: 8:00 PM ET for next-day credit
  • Central Time Zone: 7:00 PM CT for next-day credit
  • Mountain Time Zone: 6:00 PM MT for next-day credit
  • Pacific Time Zone: 5:00 PM PT for next-day credit

Availability Schedule:

  • Deposits before cutoff: Next business day funds available
  • Deposits after cutoff: Second business day funds available
  • Weekend deposits: Processed Monday (if before Monday cutoff)
  • Holiday deposits: Processed next business day
Pricing & Fees - Complete Details

Transparent pricing with no hidden fees.

Desktop Scanner Package:

  • Monthly fee: $49 (includes first 100 items)
  • Additional items: $0.15 each
  • Scanner lease: $29/month (or purchase options available)
  • Setup fee: $99 one-time

Mobile Deposit:

  • Monthly fee: Included with online banking
  • Per item fee: $0.10 (first 50 free per month)
  • No setup fee

Volume Discounts:

  • 500+ items/month: $0.12 per item
  • 1,000+ items/month: $0.10 per item
  • 2,500+ items/month: Custom pricing available

Frequently Asked Questions

What types of checks can I deposit remotely?

You can deposit most domestic checks drawn on U.S. banks, including business checks, personal checks, cashier's checks, and government checks. Foreign checks, traveler's checks, and savings bonds cannot be deposited remotely. All checks must be payable in U.S. dollars.

How long do I need to keep the original check?

We recommend retaining the original check for 60 days after deposit. This provides time for any potential returns or disputes. After 60 days, you should securely destroy the check (shredding recommended). Check images are available in online banking for 7 years.

What happens if a check is returned?

If a deposited check is returned unpaid, we'll notify you through online banking and deduct the amount from your account. You'll be able to view the returned check image and reason code. A returned item fee of $12 may apply. You can then attempt to collect from the check issuer.

Can I deposit checks to multiple accounts?

Yes! With desktop scanner remote deposit, you can select any eligible business checking or savings account for each deposit. Mobile deposit is typically limited to one primary account. Multi-location plans allow centralized management of deposits across multiple accounts and locations.

Is remote deposit secure?

Yes. All check images and data are encrypted during transmission. The remote deposit software requires user authentication, and all deposits are logged with user ID and timestamp. We use bank-grade security protocols to protect your information. Dual control options available for additional security.

Start Saving Time on Deposits

Enroll in remote deposit today and eliminate trips to the bank.

Enroll Now Request Demo

1 Free scanner offer: Available to new remote deposit customers who sign a 12-month agreement and maintain a $10,000 average daily balance. Scanner model determined by bank. Limit one per business. Offer subject to change.

Remote deposit limits and fees subject to account type and history. Next-day availability applies to deposits received by cutoff times on business days. See Remote Deposit Agreement for complete terms.

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