Process Workflow for RDC Complete

The figure below outlines the process for making a deposit using Remote Deposit Complete (RDC). Remote Deposit Complete allows you to scan checks from your office and securely submit them to the bank for processing without needing to visit a branch.

To begin, log in to the Remote Deposit Complete (RDC) application and create a new deposit. Using your check scanner, scan each check you want to include in the deposit. The system captures images of the front and back of each check and reads the MICR line (the numbers at the bottom of the check that include the routing number, account number, and check number).

As checks are scanned, they are added to the deposit and the total amount of the deposit is calculated. Once all checks have been scanned and reviewed for accuracy, you will submit the deposit through the RDC application for processing.

After submission, the deposit enters the processing stage. During this step, the system reviews the deposit to ensure the check images and MICR data were captured correctly. The system may also perform balancing checks to confirm that the total deposit amount matches the individual check amounts.

If any issues are detected, such as unreadable MICR data or image quality concerns, the system may repair the MICR information or notify the user if additional review is needed. Notifications may also be sent to inform users about the status of the deposit or if any action is required.

Once the deposit has successfully completed processing, the results are posted to your account. At this stage, the deposit becomes part of your account activity according to the bank’s processing and funds availability schedule.

Users can then access reporting within the RDC system to view deposit details, including the checks included in the deposit, deposit totals, and processing status. These reports can be used for recordkeeping, reconciliation, or internal accounting purposes.