When will my deposit post?
Remote Deposit Capture (RDC) using a desktop check scanner, and Mobile Remote Deposit Capture (mRDC) using your phone, have a 6PM CST cutoff time. For RDC and mRDC deposits made after 6:00 PM CST, your deposit will post to your account on the following business day. As a reminder, business days are Monday – Friday, excluding Federal Holidays. 

What do I do after my RDC/mRDC deposit is submitted?  
After scanning you should verify that your deposit has posted successfully to your account. The day the RDC deposit is made you will see the deposit reflected as Accepted, then the status will change to Processed once the check images are transmitted to the bank. The business day after your deposit is made you should see the deposit reflected in your transaction history and available balance. Because technical issues can arise during scanning and processing, checks should be kept for a minimum of 30 days after scanning. In the event that a check is rejected for poor image quality, or a technical issue prevents a successful transmission of an entire RDC batch, you may be asked to rescan or even mail a check to the bank. Label all checks included in a deposit batch once the transaction is processed. Include the deposit date and batch number for easy retrieval of checks if they are requested by the bank for additional review. Once checks are clearly labeled, they should be stored in a fireproof, locked cabinet or vault. After 30 days, checks should be destroyed either through in house shredding or a 3rd party document destruction provider. 

How should I secure the equipment I used to scan checks? 
Any computer used to scan and process remote deposits should be properly secured. This includes, but is not limited to, firewalls, virus protection and anti-phishing software. Software should be kept up to date. It is recommended to have a computer, with restricted web browsing, dedicated to online banking and remote deposit activity only. 

Scanners should also be kept away from high traffic areas to avoid unwanted attention. If the scanner and computer must be kept in a public office space, keep monitors turned where others cannot see the check images while being scanned. Make sure monitors are locked when the user leaves the area. Computers should require a username and password to access. Each user should have their own unique username and password to access online banking and remote deposit. Please do not allow employees to share user credentials. 

Does my scanner need maintenance?  
Yes! We recommend cleaning your scanner regularly. If you typically scan a high volume of checks, it is best to clean it monthly. Cleaning supplies can be purchased online at  https://store.digitalcheck.com/Catalog/Consumables-Accessories. Using cleaning swabs and wipes on your scanner’s camera will help maintain image quality. Cleaning cards keep the internal wheels of your scanner free of debris. Canned air can also be run across your scanner weekly to keep dust particles from building up. 

What is a Non-Conforming Image?
In some cases, a check may be returned as Non-Conforming Images (NCI). This means that that the image of the check did not meet the clearing bank’s standards. City Bank will try to re-run the item for you. In the event that it is returned a second time, City Bank will have to debit the account and a new check will need to be issued. If this happens, Treasury Client Support will notify the user that scanned the original check. 

What if I need technical assistance?
The Treasury Client Support staff is here to assist with any issue you may have with your Remote Deposit system and scanner. However, there may be times that we need additional assistance from our vendor, SmartPay. If we do have to contact SmartPay, you may be asked to allow remote access to your computer to resolve the issue.