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#2270409 - 05/13/22 12:53 PM RDC scanned check image from computer
complyorelse Offline
Gold Star
Joined: Nov 2007
Posts: 442
Typically with (consumer) remote capture, the imaged item is presented for deposit directly from the phone camera by placing the check on a flat surface and taking a picture as prompted. We received an item for presentment that was clearly the image of a scanned item up on a computer screen. Our RDC Agreement does not necessarily address this type of image. If all endorsements are okay, is this an acceptable item to accept for deposit or should it be rejected?

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#2270448 - 05/14/22 01:01 PM Re: RDC scanned check image from computer complyorelse
rlcarey Offline
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Joined: Jul 2001
Posts: 78,965
Galveston, TX
You make your own rules for the acceptance of RDC deposits. It is really up to you. I am sure your agreement says that you have the right to reject any image regardless. If you think something is wrong, reject it.
The opinions expressed here should not be construed to be those of my employer:

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#2270589 - 05/18/22 03:27 PM Re: RDC scanned check image from computer complyorelse
John Burnett Offline
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John Burnett
Joined: Oct 2000
Posts: 39,598
Cape Cod
This activated my "way-back machine" memory that some of very first RDC programs involved faxed copies of both sides of a check. In fact, that may have predated the adoption of the term "remote deposit capture."
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8

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