Remote Deposit Capture – Desktop (RDCD)

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.

Available to qualified business members with active Business deposit accounts.

After you have been set up with RDCD, you will access the service with the following steps:

• Log into online banking at www.kpcu.com
• Select an account and then click the “Deposit Checks” icon
• Click “Start A New Deposit”
• Make sure the correct Business Account has been selected
• Enter a description
• In “Quantity” enter the number of checks
• In “Batch Total”, confirm 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

1. Log in at https://www.kpcu.com
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.

• Active KeyPoint Business account
• 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.

• 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.

Active KeyPoint Business deposit accounts.

• 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).
• You may request a copy of scanned checks older than 6 months by submitting a request through online banking under Secure Forms.

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.

No. RDCD is only for business accounts.

• Ensure the scanner is connected and clean.
• Restart your device.
• Contact Scanner Support: (866) 219-4321, Option 1 if issues persist.

We have provided some documentation from the system provider to help you troubleshoot.

• bRDC Device Control Management - Installation and Troubleshooting
• bRDC Device Control and Installation for Apple MAC
• Panini^® and Digital Check^® Direct Integration - Installation and Troubleshooting Guide
• EPS Ensenta Ranger^® Driver Installation Troubleshooting Guide
• Business Remote Deposit Complete (bRDC) User Guide