
REMOTE DEPOSIT CAPTURE
QUICK REFERENCE GUIDE
©2023 Zions Bancorporation, N.A.
Zions Bancorporation, N.A. Member FDIC
ECPRDC732 5 Rev 08/2023
REMOTE DEPOSIT CAPTURE
KEY RISK MITIGATION BEST PRACTICES
PROCEDURAL BEST PRACTICES:
Segregation of duties for personnel processing receipt of check payments, those
preparing and submitting deposits via Remote Deposit Capture, and those
reconciling accounts and statements is strongly recommended.
Physical checks should be scanned, stored, and shredded in a secured area.
Electronically captured check images, data, and any reports generated should be
stored in a secured area.
Securely store original checks between 14 days and 45 days. Immediately reconcile
deposits to bank reporting and statements as they are available.
Never share system credentials among users. Each user must be issued their own
credentials for using the system.
When processing a deposit, enter a control amount first to balance to when
scanning of checks is completed.
Confirm deposit is in balance and information is accurate before submitting each
deposit.
Routinely clean your scanner removing dust and any debris to help ensure proper
performance.
DEPOSIT OF THE FOLLOWING ITEMS IS NOT PERMITTED AND COULD BE REJECTED:
Checks drawn on foreign banks in foreign currency. Includes Canadian Checks in Canadian dollars
or U.S. dollars.
Checks payable to “Cash”.
Remotely Created Checks and Demand Drafts that do not have a maker signature.
Checks that are irregular in any way (i.e., courtesy amount and written amount are different).
Substitute checks (i.e., checks created from an electronic image).
Checks you suspect are fraudulent or not properly authorized.
Registered Government Warrants.
Any checks that exceed transaction limitations that the bank may establish from time-to-time.
Redeposit of Returned Checks (Must be taken to a branch).
Check that are postdated or more than 6 months old.
Third-party-issued-items outside the ordinary course of business” as noted in the Master Services
Agreement.
ONGRATULATIONS,YOU ARE NOW READY TO BEGIN
SCANNING WITH REMOTE DEPOSIT CAPTURE.