Electronic check services by which paper checks are converted into digital images for electronic clearing and settlement, through either electronic check or ACH systems. Remote deposit capture (RDC) is a system that allows a customer to scan checks remotely and transmit the check images to a bank for deposit, usually via an encrypted Internet connection. When the bank receives a check image from the customer, it posts the deposit to the customer's account and makes the funds available based upon the customer's particular availability schedule. Banks typically offer RDC to business customers rather than to individuals.
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