Remote Deposit

What is remote deposit?

Remote deposit allows you to deposit checks without visiting a bank branch by scanning check images using a desktop scanner connected to your bank's system. The scanned image transmits to the bank for processing. This saves time for businesses receiving multiple checks, eliminating trips to the branch while still getting funds deposited promptly.

Setting up remote deposit

Contact your bank about remote deposit capture services. You will need an approved scanner and software that connects to the bank's system. Banks typically have deposit limits and may charge monthly fees. Setup includes configuring the scanner, testing deposits, and training staff on proper scanning procedures. The convenience often justifies the costs for businesses with regular check volume.

Best practices for scanning

Endorse checks with your deposit stamp before scanning. Ensure the scan is clear and complete, capturing front and back. Verify the amount recognized matches the check. Store physical checks securely for the retention period your bank requires, typically 14 to 60 days, before shredding. Do not deposit the same check at a branch or ATM after remote deposit.