A secure and expedient solution for depositing checks
Remote Deposit Capture allows you to scan multiple checks, including high-value checks, directly to your business account from the comfort of your office. Your business can deposit on your schedule via electronic deposit, and funds will be available as soon as the next business day.
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- Convenience: Deposit checks when it is convenient for you, one at a time or in a batch
- Flexibility: Gain access to later deposit cut-off times
- Savings: Significantly reduces collection float
Upgrade the way your business deposits checks
Scan checks and create an electronic deposit ticket. Confirm the total amount and submit the deposit. After scanning, securely retain the paper checks until the funds are cleared. The deposit ticket and check images are processed and deposited into your business account.
Discover the transformative potential of RDC for your business’s future growth.
Reach out to us today at 248-263-4100, visit a branch, Schedule an appointment or drop us an email:
Email PDCU Business Services:
Connect to learn more about remote deposit capture for Michigan businesses
What is Remote Deposit Capture?
Remote Deposit Capture is a business banking service that allows you to deposit checks electronically using your phone.
Instead of bringing paper checks to a branch, you can securely capture images of eligible checks and submit your deposit electronically to your People Driven Credit Union business account.
There is no separate scanner or special hardware required. The service is included at no additional cost with eligible PDCU Business Checking and Business Money Market accounts.
Benefits of Remote Deposit Capture
Included with eligible business accounts
Remote Deposit Capture is available at no additional cost with eligible PDCU Business Checking and Business Money Market accounts.
Deposit checks from your phone
There is no separate check scanner or other hardware to install. Use your phone to capture and submit eligible business checks.
Save trips to the branch
Deposit checks from your business, home office, or another convenient location without making a separate trip to a PDCU branch.
No deposit limits
RDC does not have a deposit limit, giving your business more flexibility when receiving customer payments by check.
Take advantage of later deposit cutoff times
RDC gives you more time to submit deposits than making a deposit at a branch.
Access funds quickly
Funds may be available as soon as the next business day, helping you keep money moving into your business account.
Simplify your deposit process
Electronic deposits can make it easier to manage checks, track deposits, and reduce the amount of paper checks that need to be transported.
Who should consider Remote Deposit Capture?
RDC may be a good fit if your business:
- Regularly receives customer payments by check
- Wants to reduce trips to a branch
- Receives checks outside normal branch hours
- Wants more flexibility around when deposits are submitted
- Has employees responsible for making deposits
- Wants a convenient way to deposit checks from a phone
Even businesses that receive only occasional checks can benefit from having another convenient way to make deposits.
How Remote Deposit Capture works
1. Prepare your check
Make sure the check is complete and properly endorsed according to PDCU RDC requirements.
2. Capture the check with your phone
Use your phone to take clear images of the front and back of the check.
3. Review and submit your deposit
Confirm the deposit information and submit the check electronically to your PDCU business account.
4. Keep the original check for 90 days
Store the original paper check in a secure location for 90 days after your deposit. After 90 days, securely destroy the check.
Not a People Driven Credit Union member yet?
People Driven Credit Union membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members.
A Membership Share Savings Account is required to establish membership. A $5 deposit secures your ownership share in the credit union and gives you access to PDCU products and services, including eligible Business Checking and Business Money Market accounts.
Once your qualifying business account is established, RDC is included at no additional cost.
Ready to make business deposits easier?
If your business receives payments by check, Remote Deposit Capture can help reduce branch trips and give you more flexibility when making deposits.
Contact the People Driven Credit Union Business Services team to learn more about Remote Deposit Capture and determine whether it is right for your business.
Frequently asked questions
Remote Deposit Capture allows eligible businesses to deposit checks electronically using a phone instead of bringing the paper checks to a PDCU branch.
Remote Deposit Capture is included at no additional cost with eligible PDCU Business Checking and Business Money Market accounts.
No. There is no separate check scanner or other hardware required. You can use your phone to capture and submit eligible checks.
No. PDCU Remote Deposit Capture does not have a deposit limit.
Funds may be available as soon as the next business day. Actual availability may vary depending on the deposit and other applicable requirements.
Yes. Remote Deposit Capture offers later deposit cutoff times, giving businesses additional flexibility when submitting check deposits.
Keep the original paper check in a secure location for 90 days after submitting your deposit. After the 90-day retention period, securely destroy the check.
Remote Deposit Capture is available with eligible People Driven Credit Union Business Checking and Business Money Market accounts.
Contact the People Driven Credit Union Business Services team to learn more about Remote Deposit Capture and getting the service set up for your business account.
Disclosures
People Driven Credit Union savings are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government.
View our Privacy Policy.
Related topics
Business Checking
Manage everyday business finances with a PDCU Business Checking account and access tools designed to make deposits, payments, and account management easier.
High-Yield Money Market
Keep business funds accessible while earning a competitive return with a PDCU High-Yield Money Market account.
Explore High-Yield Money Market
ACH Origination
Send payroll, pay vendors, make tax payments, and handle other electronic business transactions without relying on paper checks.
5 Ways Remote Deposit Capture Can Save Your Business Time and Money
See how Remote Deposit Capture can reduce branch trips, improve access to funds, and make managing business check deposits easier.
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