Remote Deposit Capture at Customers Bancorp

Remote Deposit Capture (RDC) from Customers Bancorp is a secure, efficient, and scalable check processing solution designed for businesses of all sizes. It allows companies to digitize check deposits by capturing check images and associated data remotely — from offices, branches, or mobile devices — and transmitting them electronically to the bank for deposit. By replacing physical trips to a bank location with a reliable digital workflow, the service reduces processing time, lowers transportation and handling costs, and accelerates funds availability, while maintaining strong controls for compliance and fraud prevention.

Key Benefits

• Time savings: Eliminate daily trips to the bank, shorten deposit processing cycles, and improve cash flow visibility.
• Operational efficiency: Automate endorsement, batching, and deposit reconciliation to reduce manual reconciliation and human error.
• Faster access to funds: Expedite availability of deposited funds through electronic presentment and settlement.
• Enhanced security: Employ strong encryption, secure transmission channels, and layered access controls to protect sensitive financial data.
• Scalability: Support a single location or distributed branch network with centralized management and reporting.
• Regulatory compliance: Integrate controls and audit trails designed to support compliance with applicable banking regulations and check handling standards.

Core Features

• High-quality image capture: Support for desktop document scanners and mobile camera capture with automatic image enhancement and validation to ensure check legibility and MICR readability.
• Batch processing: Create and submit deposit batches containing multiple items, with tools for grouping, balancing, and marking exceptions.
• Automated recognition: Intelligent MICR recognition and optical character recognition (OCR) for capturing payor, amount, and routing information to minimize manual keying.
• Fraud detection: Built-in rules and alerts for duplicate detection, altered amounts, forged endorsements, suspicious patterns, and velocity monitoring.
• Encryption and secure transmission: End-to-end TLS encryption for data in transit and secure storage protocols for archived images and transactional metadata.
• Integration APIs: Robust APIs and file-based interfaces for seamless connection to treasury management systems, accounting platforms, and core banking systems.
• Role-based access: Granular user roles, multi-factor authentication, and session controls to enforce separation of duties and reduce internal risk.
• Audit trails and compliance reporting: Detailed logs of submissions, approvals, exceptions, and user actions, supporting reconciliation and regulatory audits.

How It Works

Customers or staff capture check images using supported scanners or mobile devices. The RDC software performs image validation and MICR reading, then prompts users to correct exceptions or add batch-level details. Once a batch is balanced and authorized, it is encrypted and transmitted to Customers Bancorp for processing. The bank performs final validation and presents items to the clearing system. Confirmation and settlement data are returned and integrated with clients’ reporting and accounting systems, enabling timely reconciliation.

Deployment and Integration Options

The service offers flexible deployment models to fit operational needs:

• Hosted solution: Bank-managed, cloud-hosted platform with web access for administrators and end users.
• On-premises client: Installed software for organizations requiring local processing with periodic secure uploads.
• Mobile capture: Native mobile applications for iOS and Android to capture checks in the field, with enterprise controls for device and user management.
• API connectivity: RESTful APIs and secure file exchange formats for direct integration into enterprise resource planning and treasury systems.

Security and Risk Management

Security is central to the RDC offering. Multiple controls protect assets and data throughout the deposit lifecycle:

• Data protection: Encryption at rest and in transit, secure tokenization of sensitive fields, and secure key management.
• Authentication: Support for strong passwords, multi-factor authentication, single sign-on, and IP-based access restrictions.
• Fraud controls: Real-time duplicate detection, image comparison, endorsement verification, and anomaly detection anchored by configurable business rules.
• Auditability: Immutable logs that capture user actions, image submissions, approvals, and system events to support investigations and audits.
• Retention policies: Archival and retrieval capabilities that align with retention requirements for financial records and dispute resolution.

Reporting and Analytics

Customers Bancorp’s RDC includes comprehensive reporting tools to give users insight into deposit volumes, item-level exceptions, funds availability timelines, and user productivity. Customizable dashboards and scheduled reports make it simple to monitor trends, identify operational bottlenecks, and demonstrate compliance for internal and external reviews.

Typical Use Cases

• Retail chains: Centralize check deposits from multiple stores to reduce float and streamline reconciliations.
• Municipalities and utilities: Capture customer payments at branch offices, payment centers, or via field staff to improve cash flow and reduce handling costs.
• Manufacturing and distribution: Process large volumes of check-based receipts without interrupting production workflows.
• Professional services: Allow multiple offices or traveling professionals to capture client payments quickly and securely.

Implementation and Support

Implementation is supported by a structured onboarding program that includes system configuration, user training, device recommendations, and test transactions to validate connectivity and processing rules. Ongoing support options include a dedicated help desk, technical account management, software updates, and periodic reviews to optimize workflows and controls.

Why Choose Remote Deposit Capture from Customers Bancorp

This solution combines enterprise-grade security, flexible deployment options, and deep integration capabilities to deliver measurable improvements in speed, cost, and control. Whether you are consolidating branch operations, enabling remote collections, or modernizing treasury processes, Customers Bancorp’s RDC is designed to accelerate deposit workflows while maintaining robust risk management and compliance support.

To learn more about features, supported devices, and how Remote Deposit Capture can be tailored to your organization’s needs, contact a Customers Bancorp representative for a personalized demonstration and implementation plan.

Address Bank: West Reading, Pennsylvania, United States
Bank: Customers Bancorp
Headquarters: Wyomissing, Pennsylvania
Products: Payments & Treasury
Type: Remote Deposit Capture