How We See It

Chris Davis

Chris Davis

March 8, 2013

So what exactly is Remote Deposit Capture?

At Texas Bank and Trust, Remote Deposit Capture (RDC) is the ability for a business to deposit checks into a bank account from a remote location, such as an office or home, without having to physically deliver the checks to the bank.

RDC is accomplished by scanning a digital image of a check or multiple checks into a computer via a scanner, then transmitting those images to the bank, a practice that became legal in the United States in 2004 when the Check Clearing for the 21st Century Act (or Check 21 Act) took effect.  Check 21 Intended in part to keep the country's financial industries operational in the event of a catastrophe that could make rapid long-distance transportation impossible, like the September 11, 2001 attacks, the Check 21 Act makes the digital image of a check legally acceptable for payment purposes, just like a traditional paper check.

Advocates of Check 21 indicate that remote deposit saves time and money because businesses that use it no longer have to send an employee or a courier to take their checks to the bank. Another potential benefit is that it cuts down on paperwork, and therefore, reduces the chances of making mistakes or losing checks in the process of depositing them.

Mobile Deposit. Are you ready for it?

In 2012, many banks began offering customers the ability to deposit checks using their smartphone. The customer typically uses the phone's camera to capture an image of the front and back of the check. The images, along with other verification information, are transmitted to the bank, where final validation and posting of funds occur. TBT customers have requested such a convenience for their personal banking.

Texas Bank and Trust has listened and now we are delivering what many have asked for… Mobile Deposit is Coming Soon

It’s convenience in the palm of your hand. Mobile Deposit will be available through your TBTgomobile app for your iPhone, iPad, Android phone or Android tablet.

Statistics show that using smartphones to deposit checks will soon be mainstream,  so, the big question is now, will you use it? Is it possible to rethink what you know about banking? We think so.



Barry Maines  |  Posted: March 11, 2013 - 3:15 pm
Our remote deposit capture system that you set up works great!
Chris Davis  |  Posted: March 12, 2013 - 11:45 am
Barry- Glad you guys are enjoying the service and we hope you continue to find great benefit from it!

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