Remote Deposit Capture (RDC) is a banking product that enables customers to do which of the following?

Remote Deposit Capture (RDC) is a banking product that enables customers to do which of the following?

• A. RDC stands for Remote Data Control.
• B. RDC is a product offered by banks that allows customers to scan a check and transmit an electronic image to the bank for deposit.
• C. RDC is a method to transfer funds internationally.
• D. RDC is a program to monitor customer transactions.

Answer: (B)

Remote Deposit Capture lets customers deposit checks by scanning them and transmitting an electronic image to the bank for processing. This relies on imaging standards (Check 21) that allow banks to convert the check into an electronic image and credit the depositor’s account without handling the physical paper locally. Programs typically include safeguards like endorsement requirements, deposit limits, and holds to manage risks such as counterfeit items or fraud. The other options describe functions not related to RDC—for example, data control, international transfers, or general transaction monitoring—so they don’t fit what RDC actually does.

Remote Deposit Capture lets customers deposit checks by scanning them and transmitting an electronic image to the bank for processing. This relies on imaging standards (Check 21) that allow banks to convert the check into an electronic image and credit the depositor’s account without handling the physical paper locally. Programs typically include safeguards like endorsement requirements, deposit limits, and holds to manage risks such as counterfeit items or fraud. The other options describe functions not related to RDC—for example, data control, international transfers, or general transaction monitoring—so they don’t fit what RDC actually does.