How does your bank handle this? A customer scans a deposit item into their account. The item is returned (doesn't matter the reason but let's say NSF). The customer sees the deposit return on their account and then deposits the original check (not waiting to receive the return IRD from us.

We require our customers to endorse their mobile deposit items with a "mobile deposit only" restriction. So should the same item be subsequently presented at the teller line, the endorsement would tip the teller off that the item had already been deposited remotely.

There's nothing inherently wrong with the customer's actions unless you have a contractual provision in your RDC agreement that addresses the problem. Your customer's been charged back for the RDC item. If the original check hasn't been voided in the process of creating the RDC item, it's eligible for presentment (and rejection, if that's its fate). But if your customer also tries to re-present that IRD (for argument's sake, let's assume it's a substitute check), you can expect that the paying bank will bounce at least one of the presented items.

thanks John! The redeposit would show on our duplicate item report and right now if we see it was a return deposit we expect the customer to wait until he/she receives the yellow IRD and deposit that (and not the original check).