What Does Remote Deposit Capture (RDC) Mean?
Remote deposit capture (RDC) is a service offered by banks that allows bank clients to remotely post and clear bank checks by sending a scanned image of the check via a secure Internet connection from their office or home without having to physically travel to the bank. The only requirements are a desktop scanner, an Internet connection and a banking service that supports the RDC system.
Techopedia Explains Remote Deposit Capture (RDC)
Remote deposit capture became legal in the United States because of the Check Clearing for the 21st Century Act (Check 21 Act) of 2004, which was intended to keep the country’s financial machine going even in the event that transit to the premises of a financial institution becomes near impossible, as in the case of an attack or natural catastrophe. Before this act, clients and even financial institutions themselves had to physically exchange checks before they can be cleared, but the act has made it legal to exchange digital images of checks instead.
