What is remote deposit capture (RDC)?

RDC is a way to process payments without sending paper checks to your bank or credit union. Take a photo of checks remotely, and send check images to the bank for deposit.

Which RDC option may be right for your business?

U.S. Bank remote deposit capture options include entry-level solutions, high-volume check processing systems and integrated check-and-card devices.

Compare RDC options and benefits

Mobile check deposit1

Deposit checks using the camera on your mobile device. With the U.S. Bank Mobile App, you can securely deposit checks in seconds anytime, anywhere in the U.S.

Key benefits

  • Make mobile check deposits with your iPhone®, iPad® or Android® smartphone’s camera and the U.S. Bank Mobile App
  • 9 p.m. CT daily deposit cutoff time
  • Up to $30,000 daily deposit2 ($30,000 over 7 calendar days)

Best for

  • Sole proprietors and small businesses that have a low volume of checks

Deposit Express3

Deposit checks using a mobile device or web browser and scanner.

Key benefits

  • Convert paper checks into electronic transactions at point of receipt
  • Scan checks with your mobile device or scanner for electronic deposits as payments are received
  • Access deposits online through U.S. Bank SinglePoint®, our powerful online banking platform for businesses
  • Collect payments from any of your business or remote locations and make deposits into one or multiple U.S. Bank accounts
  • 10 p.m. CT daily deposit cutoff time
  • No daily deposit limit
  • Free check scanner when you sign a two-year scanner service agreement. Valid for new clients only and early termination fees may apply.

Best for

  • Sole proprietors and businesses that make frequent deposits, a low or moderate volume of checks or receive high- dollar checks

On-Site Electronic Deposit3

Deposit checks from one or many locations using a dedicated scanner or a supported mobile device.

Key benefits

  • Convert paper checks into electronic transactions at point of receipt
  • Scan and process coupons and other non-monetary remittance items along with checks
  • Access deposits online through U.S. Bank SinglePoint®, our powerful online banking platform for corporate and commercial businesses
  • Collect payments from any of your business locations and make daily deposits into a single account or multiple U.S. Bank accounts
  • 10 p.m. CT daily deposit cutoff time
  • No daily deposit limit

Best for

  • Businesses and government entities that receive check payments by mail or in a point-of-sale, walk-up or drop-box environment, especially those that process a higher volume of checks and require multiple processing locations

Electronic Check Service3

Process bank-card purchases, including credit cards, debit cards, gift cards and EBT cards, using the same device.

Key benefits

  • Convert paper checks into electronic transactions at the point of sale
  • Minimize check fraud and collections problems with options like check verification, payment guarantee or collections services
  • Choose from optional services like point-of-purchase conversion, accounts-receivable conversion and multi-lane retail
  • Receive faster notification and reduced risk of returned items while improving collection rates on checks and service fees
  • Collect payments from any of your business locations and make daily deposits into a single account or multiple U.S. Bank accounts
  • 9 p.m. CT daily deposit cutoff time
  • No daily deposit limit

Best for

  • Retailers and others who want to accept checks and cards with a single device and/or mitigate payment risk

Fraud protection

Get more value and safeguard your business from check fraud with these services.

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Disclosures

  1. Footnote 1

    Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

    Return to content, Footnote 1
  2. Footnote 2

    Deposit thresholds vary and are based on multiple factors, including the account type, your deposit history and your relationship with us. Please refer to the Digital Services Agreement for more information.

    Return to content, Footnote 2
  3. Footnote 3

    Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

    Return to content, Footnote 3

Deposit products offered by U.S. Bank National Association. Member FDIC.

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.