I want to second Randy Carey's response, and offer this additional suggestion: Typically, RDC installations offer a connection to only one deposit account: in your case, it would be the business account. Depositing checks payable to the individual creates potential for endorsement problems, the potential for the individual to ask for on-line access for transferring funds out of the business and into the personal account, and so on.
If you offer RDC to personal accounts (typically mobile RDC or mRDC is used), he can apply for that access for his personal checks.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8