I had a big long reply typed up and then lost it. GRRR....
Sorry to have misinterpreted your original post. MRDC is our most recent project and has been on my mind the most lately.
RDC for business customers is handled by two other ladies in my dept. Clients who show interest in the product will tell us what deposit limit they think they will need and we see if we find this to be suitable according to our risk assessment. I don’t know all the specifics, but the majority of those customers are considered "low" risk, and we normally don’t have a problem fulfilling their needs.
That is just a basic overview, I am sure there are more specifics I am not touching on, but since I don’t handle the day to day work of this product and the annual assessments I don’t think I would be able to offer anything else regarding this topic without possibly giving bad info.
Hopefully one of the gurus will chime in soon.