Remote Deposit Capture Planning: Practical Considerations

Learn how your institution can save money, time, and resources by allowing your commercial customers to process their checks and electronically transmit them to your institution.

Authors: Paul Carrubba and Dan Fisher
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Remote deposit capture is quickly becoming one of the most popular ways to benefit from the legal acceptance of substitute checks. Substitute checks have drastically changed the type of payments financial institutions settle and clear as well as the payments process itself. They have also changed the types of products available and opened the door to new products and ways that financial institutions can do business with their merchant customers.

Sheshunoff’s Remote Deposit Capture: Practical Considerations will answer all your questions regarding this new technology including:

How it works
Finding and choosing a vendor
Bundling with other cash management services
Risks to consider
Fraud issues
Legal obligations between you and your customer
Terms with the vendor

Learn how your institution can benefit from Remote Deposit Capture!

In Remote Deposit Capture: Practical Considerations, we tell you how to:

Decide on the remote deposit capture strategy that fits your bank
Select the right vendor and the right product
Get your institution and your customer started
Prevent fraud and mitigate risk
Develop customer agreement terms
And much more!

About the Authors

Paul Carrubba

Paul Carrubba is currently an attorney with the law firm of Adams and Reese LLP. His primary focus is on Banking Law and legal issues dealing with payment system fraud. He is currently a member of the faculty of the Alabama School of Banking and the BAI’s Graduate School of Bank Operations and Technology. Mr. Carrubba is the author of five books including: Revised UCC Article 3 and 4, A Banker’s Guide to Checks and Principles of Banking.

Dan Fisher

Dan Fisher is President and CEO of The Copper River Group a consultancy that focuses on independent community financial institutions. Dan has been in technology for 31 years and banking for 28. He has been a director of the Federal Reserve Bank of Minneapolis, Chairman of the ABA Payments Committee, Member of the ICBA Payments Committee and participated in the industry effort with the Federal Reserve that ultimately succeeded in the passage and implementation of the Check-21 legislation.

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