Remote deposit capture (RDC)
Remote deposit capture lets a business deposit checks by scanning or photographing them and sending the images to its bank or credit union, without visiting a branch.
What remote deposit capture is
Remote deposit capture, often shortened to RDC, lets a business deposit paper checks without visiting a branch. The business scans or photographs each check with a desktop scanner or mobile app, and the image is sent to its financial institution for processing.
How it works
- Capture: the check is scanned or photographed, front and back.
- Submission: the images and deposit amount are sent through online or mobile banking.
- Review: the institution checks the images and amounts, and may hold funds under its availability policy.
- Retention: the business keeps the paper check for a set period, then destroys it securely.
Why it matters
Many cannabis businesses, especially wholesalers and ancillary businesses, receive checks from customers. Remote deposit saves trips, speeds up access to funds and creates a digital record of every deposit for reconciliation.
What to look for
- Daily and monthly deposit limits.
- Cutoff times and when funds become available.
- Whether deposits can be made from mobile devices, a desktop scanner or both.
- User permissions for staff who make deposits.
How Safe Harbor helps
Safe Harbor clients can use remote check deposit through online and mobile banking.
Related terms
This page is for general information only. Limits and availability vary by institution. Last reviewed November 2026.