How to Deposit a Check Online

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Depositing a check online, or remote deposit capture (RDC), is becoming a widespread and important way to deposit checks without visiting a bank. RDC involves scanning a check at the home or office encoded with bank information. There is typically a monthly service charge, a per-item fee, and a scanner purchase.

Step 1

Find a bank with RDC-enabled technology for depositing checks. Currently, most RDC arrangements are for business enterprises. However, some financial institutions now make RDC available to individual accounts as well. Check with your local bank or call a company that sells the scanners needed for RDC transactions. They will have a list of eligible financial institutions.

Step 2

Open the RDC account. Any money deposited will flow into your designated checking account and show up as a regular deposit. Understand what banking fees apply. There may be a monthly service charge and a per check charge. Make certain you will be depositing enough checks to make the cost worthwhile.

Step 3

Purchase or lease the scanner needed to pass the check through to the computer and decode the information. There are several manufacturers, but your financial institution may require you to use a particular model. You may be required to lease a machine from your bank rather than own your own machine.

Step 4

Connect the scanner to the computer. Install the software necessary for the financial institution to recognize your machine. Make certain the bank location receives your Internet signal. Scan the check through the scanner. The machine will decode each check and require you to acknowledge the deposit and amount. Once completed, the bank program will acknowledge deposits. Crediting your account with the deposit should follow the bank's regularly scheduled recognition of deposits and withdrawals.

Step 5

Retain the scanned checks in a safe place. They are the only physical evidence of payment and may be necessary at tax time. The Internal Revenue Service recommends keeping canceled checks for at least seven years or longer if they might have bearing on other business transactions.


Consider the cost-effectiveness of RDC before committing to the program.

Things You'll Need

  • Scanner

  • Account with RDC approval

  • Computer

  • Internet connection

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