Remote Deposit Capture FAQ

What is remote deposit?
The remote deposit service allows you to automate your check deposits, so you can increase funds availability and improve operating efficiencies. Remote deposit enables you to scan and deposit checks electronically from your office — at your convenience. You will no longer have to make trips to the bank or worry about branch hours.

What type of business is suited for this service?
This service is ideal for businesses that primarily deposit checks as opposed to cash, such as professional offices, contractors, wholesalers, manufacturers, physicians, attorneys and so forth.

How does Remote Deposit work?
Using Internet-based technology, you submit checks for deposit using a PC and scanner located at your business. Each check scanned for deposit generates an electronic image that is transmitted to Bank.

What is the daily deposit deadline to get same-day credit?
The deposit deadline for same-day ledger credit is 5:00 p.m. Central Time on all business days, except federal holidays.

What kinds of checks can I deposit?
You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business, and most government checks. They must also be payable to the account holder. International checks, U.S. savings bonds, U.S. postal money orders, MoneyGram, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), and cash are not eligible for Remote Deposit.

What kind of checks cannot be deposited through remote deposit?

• Third Party Checks -  A third party check is a check issued by one party (the payer), made payable to another party (the payee), and then endorsed or transferred to a third party.
• Inter-Bank Transfers - Checks issued from your business account at Bank A, payable to your business (or yourself as the business owner) and deposited into your business account at Bank B.
• Checks from foreign countries - These checks must be brought into the bank and processed with one of our dedicated Retail Bankers.

Are users required to verify totals prior to scanning checks?
Yes. Users are required to remedy any scanner errors and make sure all deposits are in balance before they are sent to the bank.

Is there a limit on how much I can deposit daily?
Yes, your daily remote deposit limits are set by the bank.

Are standard deposit tickets used?
No, but a virtual deposit ticket will be created for each deposit.

What do I do with a check after I scan it?
The original checks are to be stored for no longer than 180 days in a secured environment. Checks must be destroyed by shredding. It is recommended that destruction of checks is done under dual control to prevent fraud.

Contractual and Best Practice Rules

Customer obligations are detailed in the bank’s RDC agreement.

Liability Allocation: Customers assume responsibility for losses from fraud, errors, or misuse (e.g., sharing login credentials). Banks will charge fees for returns. See fee schedule for a list of fees.

Security Measures: Use secure devices, strong passwords, and antivirus software. First Bank Texas requires multi-factor authentication.

Reporting and Monitoring: Customers must report lost/stolen checks immediately and review statements for errors. First Bank Texas will monitor for unusual activity and may suspend access.

Termination and Fees: First Bank Texas will continue to charge monthly fees for any un-returned scanners.

Dispute Resolution: For returned items, customers receive notices with account details, deposit date/amount, and next steps.