Save time, improve cash flow and more—with Remote Deposit Capture

In 2004, the Check Clearing for the 21st Century Act (Check 21 Act) went into effect, creating a new negotiable instrument called a “substitute check” that can be processed just like an original check—only much faster. This paved the way for a business banking service called Remote Deposit Capture, or RDC.

With RDC, paper checks are scanned and the images transmitted electronically (via an encrypted Internet connection) to your bank for posting and clearing. This eliminates having to transport the original check all the way back to the paying bank for clearing.  Items deposited using RDC are available on the same schedule as paper items deposited in the teller line, which is typically the next business day (some exceptions may apply).


It’s easy to get started.

RDC requires only a computer with an Internet connection, a service provider (your bank), some easy-to-download online software and a check scanner. Today’s check scanners are compact and very efficient, capable of scanning large batches of checks, even of varying sizes, in seconds. For an even easier way to set up your RDC service, you can simply download Oklahoma State Bank’s Mobile Deposit app, which allows you to scan and transmit checks with your smartphone or tablet.

Once the checks are scanned, you can begin enjoying the many benefits of RDC, including convenience, reduced transportation costs, greater processing accuracy and reliability, and quicker fund availability.   


Who benefits from RDC?

RDC customers include:

  • Small- and medium-sized merchants who want to reduce the costs of transporting paper checks to their financial institution and gain faster access to their funds for payroll, operations and expansion.
  • Business professionals like physicians and attorneys, who often receive payment for their services by check.
  • Nonprofits, government bodies and other organizations.


Click here to learn more about Remote Deposit Capture and the other OSB treasury and cash-management services for your business. Or download our Mobile Deposit app for iOS and Android.

Sources: RemoteDepositCapture.com, FDIC.gov, TheBalance.com

OSB Blog

Get the latest news and financial tips from OSB.


Contact us today for more information.

Customer Care:  405-260-2265

Contact Us

Customer Login   eBankRemote Deposit CaptureCredit CardMerchant ServicesSMS Guardian
Download Mobile Deposit Brochure