What is remote deposit capture (RDC)?

RDC is a way to process payments without sending paper checks to your bank or credit union. Scan or take a photo of checks remotely, and send check images to the bank for deposit.

Which RDC option may be right for your business?

U.S. Bank remote deposit capture options include entry-level solutions, high-volume check processing systems and integrated check-and-card devices.

Compare RDC options and benefits

Mobile check deposit

Deposit checks using the camera on your mobile device. The U.S. Bank Mobile App securely deposit checks in seconds anytime, anywhere in the U.S.

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  • Make mobile check deposits with your iPhone®, iPad® or Android® smartphone’s camera and the U.S. Bank Mobile App
  • Deposit checks from your home or office using a scanner or all-in-one printer through online banking
  • 9 p.m. CT daily deposit cutoff time1
  • Up to $15,000 daily deposit2 ($30,000 over 5 days)
  • Sole proprietors and small businesses that have a low volume of checks

Deposit Express

Deposit checks using a dedicated scanner or a supported mobile device.

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  • Scan checks for electronic deposit as payments are received
  • Access deposits online through U.S. Bank SinglePoint®, our powerful online banking platform for businesses
  • Collect payments from any of your business locations and make daily deposits into a single account or multiple U.S. Bank accounts
  • 10 p.m. CT daily deposit cutoff time1
  • No daily deposit limit2
  • Sole proprietors and businesses that make frequent deposits, a moderate volume of checks or often receive high-dollar checks

On-Site Electronic Deposit

Deposit checks from one or many locations using a dedicated scanner or a supported mobile device.

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  • Convert paper checks into electronic transactions at point of receipt
  • Scan and process coupons and other non-monetary remittance items along with checks
  • Access deposits online through U.S. Bank SinglePoint®, our powerful online banking platform for corporate and commercial businesses
  • Collect payments from any of your business locations and make daily deposits into a single account or multiple U.S. Bank accounts
  • 10 p.m. CT daily deposit cutoff time1
  • No daily deposit limit2
  • Businesses and government entities that receive check payments by mail or in a point-of-sale, walk-up or drop-box environment, especially those that process a higher volume of checks and require multiple processing locations

Electronic Check Service

Process bank-card purchases, including credit cards, debit cards, gift cards and EBT cards, using the same device.

Accept card payments

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  • Convert paper checks into electronic transactions at the point of sale
  • Minimize check fraud and collections problems with options like check verification, payment guarantee or collections services
  • Choose from optional services like point-of-purchase conversion, accounts-receivable conversion and multi-lane retail
  • Receive faster notification and reduced risk of returned items while improving collection rates on checks and service fees
  • Collect payments from any of your business locations and make daily deposits into a single account or multiple U.S. Bank accounts
  • 9 p.m. CT daily deposit cutoff time1
  • No daily deposit limit2
  • Retailers and others who want to accept checks and cards with a single device and/or mitigate payment risk

Fraud protection

Get more value and safeguard your business from check fraud with these services.