Remote Deposit Capture (RDC)

Skip unnecessary trips to the branch and deposit checks – day or night – from your office.

Improve Cash Flow with Remote Deposits

Conveniently deposit checks into your HVCU Value or Enhanced Business Checking Account. Scan checks through an RDC compatible single-feed or multi-feed scanner and the funds are deposited directly into your account. 

  • Same day settlement when checks are deposited before 6 pm (ET)1
  • RDC deposits not included in item count for business checking accounts
  • Remote scanning is secure and data is encrypted
  • No lengthy retention requirements – 7 days minimum, no more than 45 days

Your Monthly Costs

Up to 150 items – $15

151 - 300 items – $30

Unlimited items – $45

Funds Availability

Deposits of $1,500 or more are held for review. The first $225 is available immediately, with the remaining balance credited to your account after the check has been verified.2

Deposit Checks Easily

  • Collect receivables to deposit and access your RDC account online.

  • Carefully review and enter your check totals and counts.

  • Use your single-feed or multi-feed scanner and confirm your remote deposit.

Manage Your Cash Flow, Save Time, and Securely Transmit Receivables. Book an Appointment to Get RDC.

Get Discounts with Multiple Business Services

When you enroll in two or more of our business services β€” Payroll Services, Merchant Services, Internet Banking or Mobile Banking, or Remote Deposit Capture β€” you'll receive discounts on the per item charge for check transactions.

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Cash Management Options Value Business Checking Enhanced Business Checking
Select 2 Cash Management Solutions $0.12 per item for ACH/check transactions over 250 $0.17 per item for ACH/check transactions over 500
Select 3 Cash Management Solutions $0.09 per item for ACH/check transactions over 250 $0.14 per item for ACH/check transactions over 500
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Mobile Deposit Offers Another Option for Check Deposits

Deposit checks using the camera on your iPhone, Android or tablet. With the HVCU Mobile Banking app, you can securely deposit checks in seconds. 

  • Up to $30,000 daily deposit limit ($60,000 rolling 30 day limit)3 
  • No fees
  • Next day processing4
  • Best for sole proprietors and freelancers

Get the HVCU Mobile Banking App

Keep your accounts current wherever you do business. Visit the Apple App Store or Google Play Store to download our Mobile Banking app.
Florist on her mobile device

Strengthen Your Business Operations

Business Savings

Business Savings
Start saving for future business expenses and materialize the most ambitious aspirations.


Business Certificate Account

Business Certificates
Save for future business expenses and projects. Competitive rates on higher balances and longer term periods.


Business Checking

Business Checking
Manage payables and receivables with a simple, easy-to-use business checking account.


Learning Center

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Important Legal Disclosures & Information

Apple, the Apple logo, Apple TV, iPad, iPhone, iPod touch, iTunes, and Mac are trademarks of Apple Inc., registered in the U.S. and other countries and regions.

Android, Google Play and the Google Play logo are trademarks of Google LLC.

1Next day settlement when deposits are made after 6:00 pm ET. Checks deposited after 6:00 ET Friday are credited on Monday (Tuesday, if it’s a Federal Holiday).

2Deposits in the amount of $225.01 and over will be held in review for new business members within the first 30 days.

3New HVCU business members are held to a $1,500 daily deposit limit within the first 30 days. Deposit thresholds vary and are based on multiple factors, including the account type, your deposit history, and your relationship with HVCU.

4Individual deposits over a certain dollar amount make take up to 2 days to process. Refer to the RDC Services Agreement Terms and Conditions and our Truth in Savings Disclosure & Account Agreement for funds availability policies.