|Remote deposit (also known as remote deposit capture or RDC) is a system for depositing checks online instead of taking them to a physical bank branch or ATM. Some people also call it online check deposit, electronic check deposit, check image capture, or simply check scanning — but the basic principle is the same: Instead of depositing a paper check in the bank, you scan the check and deposit the image. These scanned check images, or substitute checks, have the same legal standing as the original paper check, thanks to the Check 21 Act passed by Congress in 2003.
Remote deposit is increasingly used by businesses, and even individual consumers, as a way to save time by making their bank deposits without leaving their homes or offices. Because remote deposit converts a physical process involving paper checks into an electronic process involving check images, many people correctly think of it as one of the first real-world extensions of online banking. Digital Check specializes in dedicated remote deposit capture scanners for making images of moderate to high numbers of checks; however, the technology can be used by just about anyone with an ordinary PC and a device capable of creating a legal quality image.
The links below provide a basic primer on remote deposit capture, as well as some of the rules and technology surrounding it.
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History of remote deposit
Who can use remote deposit?