Remote Deposit Capture – Desktop (RDCD)

Now Available for KeyPoint Business Members
Deposit Hundreds of Checks Without Leaving Your Office


KeyPoint Credit Union is excited to offer Remote Deposit Capture – Desktop (RDCD)—a fast, secure, and convenient way for businesses to deposit checks using a desktop scanner. Instead of driving to a branch, scan and transmit checks directly from your office through our secure online banking platform.

Why Your Business Needs RDCD

  • 24/7 Check Scanning: Deposit checks anytime using your own desktop scanner.
  • Fast & Secure Online Transmission: Send check images electronically through our secure banking platform.
  • Custom User Permissions: Assign specific access and functionality for each team member.
  • High Volume Capability: Easily scan and deposit hundreds of checks at once.
  • Improved Cash Flow: Accelerate check clearing and access your funds faster.
  • Lower Processing Costs: Cut down on courier fees and manual handling.


Perfect for Businesses That:

  • Handle high volumes of check payments
  • Operate across multiple locations or far from a KeyPoint branch
  • Require fast access to funds
  • Need enhanced security against check fraud
  • Want automated reporting and deposit history tracking
  • Seek efficiency and convenience in daily operations

 

Get Started!

Send Us an Online Request Form.

Call (888) 255-3637, Chat or Visit a Branch.

Alternative: If you deposit fewer than 20 checks/month, consider Mobile Check Deposit.



Frequently Asked Questions

General Questions

RDCD is a service that allows businesses to deposit multiple checks electronically using a scanner, eliminating the need to visit a physical branch.
Checks are scanned using an approved RDCD scanner or mobile device. The images are securely transmitted to KeyPoint for processing and deposit.
  • Save Time and Money – Reduces trips to the Credit Union and eliminates postage costs.
  • Deposit Anytime – Make deposits 24/7, including weekends and holidays.*
  • Streamline Operations – Simplifies bookkeeping and enables deposits from remote offices.
  • Enhanced Security – Includes password protection, secure access codes, firewalls, and encrypted connections.

*Subject to routine maintenance downtime.

Eligibility & Setup

Available to qualified business members with Elite Business Checking or Analyzed Business Checking accounts.

Log in via KeyPoint Online Banking. Business customers: After you have been set up with RDCD, you will access the service with the following steps:

  • Go to the online banking app and sign into your business account
  • On the “View my Accounts” page, select an account and then click the “Deposit Checks” icon
  • Click “Start A New Deposit”
  • Make sure the correct Business Account has been selected
  • Insert a description
  • In “Quantity” insert the number of checks
  • In “Batch Total”, add the total balance of all scanned checks
    • The system will confirm that the number of checks entered and the total batch matches what was scanned.
  • Review any “Flagged Items”
  • Click “Complete Deposit” or “Edit” if necessary
Contact your local branch, the contact center, or a business banker to get enrolled.
  • RDCD-compatible check scanner
  • Secure internet connection
  • Access to KeyPoint’s online banking application

Using RDCD

  1. Log in at https://www.kpcu.com/checking/Business-Checking
  2. Scan checks using an approved device.
  3. Verify images and enter required details.
  4. Submit the deposit.
  • Deposits made before 5:00 PM PT are processed the same business day.
  • Deposits after that time are processed the next business day.
  • All deposits are subject to standard holds.
Upon approval and enrollment in RDCD, you will be advised of any deposit limits.
Store endorsed checks securely for 60-90 days. Afterward, destroy them securely.

System & Scanner Requirements

  • Active KeyPoint Business account (Elite or Analyzed Business Checking)
  • Be enrolled and approved by KeyPoint for RDCD
  • Supported desktop check scanner
  • Windows 10 or later
  • Internet Explorer 11 or higher (RDCD is only supported on IE)
  • Minimum 1 GB RAM (2 GB recommended)
  • CPU: 2.0 GHz or higher
  • Broadband internet (1.5 Mbps+)
  • JavaScript and ActiveX enabled
  • Pop-up blockers disabled or site whitelisted
The following scanners are compatible with KeyPoint’s RDCD system.

Scanning Checks for Deposit

  • U.S. dollar checks payable to your business
  • Personal checks, business checks, money orders, cashier’s checks
  • No third-party or foreign checks
  • Load your checks, all facing the same direction.
  • Remove rubber bands or clips.
  • Align checks before scanning.
Yes. Endorse with: “For deposit only, KPCU account #______” or as otherwise instructed.
Only Elite Business Checking or Analyzed Business Checking accounts that have been set-up and authorized?

Check Retention

  • Store securely for 60–90 days.
  • Do not destroy until deposit is verified via online banking or statement.
  • Use a shredder or secure method for destruction.
  • View up to 6 months of history in the RDCD portal.
  • For older checks, visit a branch or contact Member Services (fees may apply).

Security & Compliance

Yes. It uses encryption and secure authentication. Limit access to authorized personnel only.
Most U.S. checks are accepted. Some items (e.g., foreign checks, certain money orders) may require in-person deposit.
You’ll be notified if a check is rejected. You may need to rescan or deposit it manually.

Troubleshooting & Support

  • Ensure the scanner is connected and clean.
  • Restart your device.
  • Contact Scanner Support: (866) 219-4321, Option 1 if issues persist.
No. RDCD is only for business accounts.