Remote Deposit Capture lets your company deposit paper checks from your own office. You scan the checks at your desk, review the images and totals on screen, and transmit the deposit through Treasury Gateway. No one drives to a branch, and a deposit that finishes transmitting before the cut off is credited the same business day.
The service is part of the treasury management relationship. It is available to business and nonprofit clients that hold a Calder Bank & Trust deposit account and are approved for a remote deposit exposure limit. If you are reviewing the full set of treasury services, start at Treasury Management. Forms, user guides and the scanner cleaning instructions are on Treasury Resources.
Companies that receive checks by mail or over the counter and currently make one or more branch trips a week. Medical practices, property managers, wholesale distributors and municipalities are common users.
A Treasury Gateway login with the Remote Deposit entitlement, Duo Security enrollment for that user, a supported workstation, and a scanner from one of the two configurations below.
The courier run and the deposit ticket. Deposit totals are keyed once at your desk and carried into the deposit record, so the branch teller line is out of the path.
It does not take cash, and it does not process card payments. Cash deposits still go to an office or a night drop. For card acceptance see Merchant Services.
Calder Bank & Trust supports two scanner configurations. A treasury management officer will recommend one based on your monthly item count and how the checks arrive. Most clients under about 250 items a month are placed on the single feed unit. Clients who open a mail batch each morning are usually better served by the multi feed unit, because the difference in handling time is larger than the difference in price.
| Specification | Single feed desktop scanner | Multi feed scanner |
|---|---|---|
| Intended volume | Up to about 250 items per month | 250 to 6,000 items per month |
| Items loaded at once | One item, hand fed | 100 item hopper |
| Rated throughput | Manufacturer rating about 30 items per minute, in practice closer to 10 to 15 hand fed | About 100 items per minute |
| Endorsement printing | Not included, hand stamp required | Included, prints the endorsement as the item passes |
| Front and rear image capture | Yes | Yes |
| Desk footprint | About 3.5 by 7 inches | About 6 by 11 inches |
| Connection | Powered USB, no separate power brick | USB with external power supply |
| Franking (marks the item as deposited) | Manual stamp supplied at installation | Inline franking, no manual stamp |
| Cleaning interval | Every 2,000 items or quarterly | Every 5,000 items or monthly |
Workstation Both configurations require a currently supported 64 bit Windows or macOS workstation, a supported browser, a free USB port, and local administrator rights the first time the scanner driver is installed. The current supported operating system and browser versions are listed on Treasury Resources. A workstation shared by several people is fine. Each person still signs in under a personal Treasury Gateway credential.
Scanners may be purchased outright or rented monthly. Rented hardware stays the property of the bank and is returned when the service ends. Purchased hardware carries the manufacturer warranty for one year from the ship date, and the bank will advance replace a failed unit inside that window.
The deposit is credited based on when the transmission finishes, not when you start scanning. A large batch that begins at 6:55 p.m. and finishes at 7:04 p.m. Eastern is a next business day deposit. Cut off times are stated in Eastern time. Offices in north Alabama and other Central time locations should convert.
| Transmission completed | Ledger credit and statement date |
|---|---|
| Monday through Friday, by 7:00 p.m. Eastern | Same business day |
| Monday through Friday, after 7:00 p.m. Eastern | Next business day |
| Saturday or Sunday, any time | Next business day |
| Federal holiday, any time | Next business day |
Ledger credit is not the same as availability. Funds availability follows the schedule in your deposit agreement and in the Remote Deposit Capture Agreement. Holds may be placed on a large item or on a deposit that is out of pattern for the account. When a hold is placed, the notice appears in Treasury Gateway on the deposit record and is mailed under the terms of the agreement.
Deposits transmitted after the cut off cannot be pulled back into the current business day. If a payroll funding or a loan payment depends on the deposit, transmit by 6:00 p.m. Eastern so there is room to correct a rejected item before the cut off.
| Item type | Accepted | Notes |
|---|---|---|
| Business or personal check drawn on a U.S. financial institution in U.S. dollars | Yes | The MICR line at the bottom must be fully readable. |
| Cashier's check, teller's check, official check | Yes | Larger items may be reviewed before release. |
| U.S. Treasury check | Yes | Must be payable to the account holder. |
| Money order | Yes | Bank money orders are accepted. Postal money orders often do not carry a conforming MICR line and are frequently rejected at capture. Deposit those at an office. |
| Check drawn on a bank outside the United States, or in a currency other than U.S. dollars | No | Bring to an office for collection handling. See Locations. |
| Check payable to someone other than the account holder | No | Third party items are not eligible for remote deposit. |
| Savings bond | No | Redeemed in an office. |
| Substitute check or an image replacement document you received | No | Not eligible for remote deposit under the agreement. Bring the item to an office. |
| Item previously returned unpaid | No | Call treasury support before any second presentment. |
| Remotely created check (no signature, drawn under authorization) | No | Not eligible under the agreement. |
| Item torn through the MICR line, or missing a date or a signature | No | Remove staples and clips before scanning. An item is only ineligible if the staple has torn the MICR line, because repair is not possible once that line is damaged. |
Endorse the back of each item before scanning. The endorsement must read For Remote Deposit Only, Calder Bank & Trust, N.A. followed by the account number. On the multi feed unit the endorsement prints automatically. On the single feed unit use the endorsement stamp supplied at installation. The franking stamp is a separate stamp and is applied after the item is scanned.
Every image transmitted is compared against items already presented under your relationship for the previous 90 days. The comparison uses the MICR line, the item amount and the image itself, so a check re-scanned at a second location is normally caught before submission even if the two locations use different deposit accounts. Detection is not absolute, and an item identified after submission is handled as an adjustment.
| Condition | What happens | What you do |
|---|---|---|
| Exact match to an item deposited in the last 90 days | The item is held out of the deposit and the deposit total is adjusted on screen before you submit. | Confirm the item was already deposited, then remove it from the batch. |
| Probable match (same maker and amount, different check number) | The item is flagged for review inside the batch and the batch cannot be submitted until each flag is cleared. | Compare against the earlier deposit shown in the flag, then accept or remove. |
| Duplicate identified after submission | Treasury operations reverses the item and posts an adjustment. | Watch for the adjustment advice in Treasury Gateway and correct your receivables posting. |
| Image quality below presentment standard | The item is rejected at scan time with the reason shown. | Re-scan the item. If it rejects twice, deposit the original at an office. |
Duplicate detection protects your company as much as it protects the bank. A customer whose check is presented twice will see two debits, and the resulting research is charged back under the fee schedule below. Clearing every flag before submission is faster than unwinding an adjustment later.
Once a check is scanned and the deposit is accepted, the electronic image is the item of record. The paper original is still a live negotiable instrument until it is destroyed, which is why the agreement sets both a retention window and a destruction requirement.
The 14 day window exists so that a return, an adjustment or a quality question can be settled against the paper. Holding originals longer than the agreement allows is a common finding in remote deposit reviews, because a stack of endorsed checks in an open tray is a loss waiting to happen.
Access is granted inside Treasury Gateway by your company administrator. Every remote deposit user authenticates with Duo Security at sign in. The bank does not create or reset a user for you, and no one at Calder Bank & Trust will ask for a Duo passcode.
If a limit is blocking a legitimate deposit, call treasury support before the cut off. A temporary increase can usually be handled the same business day when the reason is documented. Guidance on payment controls and on verifying instructions before you send money is on Treasury Security.
| Control | Set by | Typical setting |
|---|---|---|
| Per item limit | Bank, during credit review | Sized to your largest expected single check |
| Daily deposit limit | Bank, during credit review | Sized to your peak day, not your average day |
| Monthly deposit limit | Bank, during credit review | Reviewed at 90 days and then annually |
| Which accounts a user may deposit to | Company administrator | Restricted to the accounts that person supports |
| Scan and submit separation | Company administrator | Recommended wherever two or more people are available |
| Deposit confirmation alerts | Company administrator | Sent to a controller or an owner, not only to the scanning user |
Fees are billed monthly to the analysis account on the relationship and appear on the account analysis statement. Fees below are effective March 1, 2026 and may be changed on 30 days written notice as provided in the agreement.
| Item | Charge | Basis |
|---|---|---|
| Monthly service, single feed configuration | $30.00 | Per company, includes 250 items per month |
| Monthly service, multi feed configuration | $65.00 | Per company, includes 750 items per month |
| Items above the included count | $0.09 | Per item |
| Additional scanner location | $20.00 | Per scanner, per month |
| Scanner purchase, single feed | $395.00 | One time |
| Scanner purchase, multi feed | $1,850.00 | One time |
| Scanner rental, single feed | $22.00 | Per month, hardware remains bank property |
| Scanner rental, multi feed | $75.00 | Per month, hardware remains bank property |
| Additional user credential | No charge | Added by your company administrator |
| Returned deposited item | $12.00 | Per item returned unpaid |
| Deposit adjustment | $6.00 | Per adjustment posted by treasury operations |
| Duplicate item research | $25.00 | Per case opened after submission |
| Replacement cleaning kit | $18.00 | Per kit, shipped on request |
| Implementation and training | No charge | Included with the first installation |
Earnings credit may offset some or all of these fees depending on collected balances. Your treasury management officer can run the analysis against your current balances before you sign. Rates on deposit and lending products are published on Rates.
Implementation is handled by a treasury management officer and a treasury implementation specialist. Nothing ships before the agreement is signed and the exposure limits are approved.
| Step | What happens | Who | Typical elapsed time |
|---|---|---|---|
| 1. Scoping | Review of monthly item count, peak day volume, item sizes and the number of locations that will scan. This determines the scanner configuration and the limits requested. | Treasury management officer | One meeting, about 45 minutes |
| 2. Credit review | Remote deposit carries settlement exposure, so the request goes through a credit review. Financial statements may be requested for larger limits. | Bank credit | 2 to 5 business days |
| 3. Agreement | The Remote Deposit Capture Agreement and the treasury services agreement are signed by an authorized signer. Approved limits are stated in the agreement. | Client signer | 1 business day |
| 4. Hardware | The scanner ships to the address on the agreement with the cleaning kit and, for single feed units, both the endorsement stamp and the franking stamp. | Bank | 3 to 5 business days |
| 5. Entitlements | The Remote Deposit entitlement is added in Treasury Gateway and your administrator is walked through adding users and enrolling them in Duo Security. | Implementation specialist | Same day as the training session |
| 6. Installation and training | Driver install, scanner calibration, a walk through of scanning, correcting and submitting a batch, and the retention and destruction procedure. On site or by screen share. | Implementation specialist | 60 to 90 minutes |
| 7. First live deposit | Your first real batch is transmitted with the specialist on the line, and the posted deposit is confirmed before the call ends. | Client and specialist | Same session |
| 8. 90 day review | Actual volume is compared to the scoped volume. Limits, pricing tier and scanner configuration are adjusted if the pattern is different from what was expected. | Treasury management officer | One call |
Adding a second location later does not repeat the credit review. Your officer adds the location to the existing agreement, hardware ships, and the specialist trains that site.
Yes. Each location gets its own scanner and its own users, and the deposits post to whichever accounts your administrator has entitled. Duplicate detection runs across the whole relationship, so an item already presented from one site is flagged when a second site scans it. If a duplicate is identified after submission it is reversed by adjustment.
Nothing is lost. The batch stays open with the items captured so far. Clear the jam, re-feed the remaining items, and the control total will tell you whether anything was missed.
No. Call treasury support at (423) 555-0142 first. Whether a second presentment is possible depends on the return reason, and re-scanning a returned item without checking creates a duplicate case.
No. The deposit record created at submission carries the item count and total. Keep your adding machine tape with the paper batch until the batch is destroyed.
Yes. Remote deposit does not restrict branch or drive-up deposits. Hours vary by office, so check Locations for the office you use.
Talk to your treasury management officer. For a very low item count the monthly service fee may not be worth it, and a branch or drive-up deposit may be the better answer. Mobile deposit in the Q2 Online app is a consumer service and is not available for business account activity. See Mobile Banking for the consumer product.
Treasury support handles it. If the unit is under warranty or rented, a replacement is shipped and the failed unit goes back in the same box.
Yes. The scanner driver runs alongside other applications. The only requirement is local administrator rights at first install and a free USB port after that.
To scope the service for your company, call treasury management at (423) 555-0142 during business hours or use the request form on Contact. Existing users with a stuck batch, a limit question or a hardware failure should call the same number and ask for treasury support. Deposit records, adjustment advices and the user guide are available inside Treasury Gateway and on Treasury Resources.
Remote Deposit Capture is governed by the Remote Deposit Capture Agreement, the treasury services agreement and the deposit account agreement, and those documents control if anything on this page differs from them. Ledger credit described above is not a guarantee of availability. Funds availability is determined under our funds availability policy, and a hold may be placed on a deposit consistent with that policy and applicable law. Deposits are subject to verification and to later adjustment for encoding, amount or item errors. Enrollment requires approval, including a credit review, and approved deposit limits are stated in your agreement.
Fees shown are effective March 1, 2026 and apply to business and nonprofit accounts enrolled in Remote Deposit Capture. Fees are billed monthly to the designated analysis account and may be offset by earnings credit. Fees may be added or changed on 30 days prior written notice as provided in your agreement. Other account fees may apply under the schedule published at Disclosures. Hardware purchase prices do not include applicable sales tax.
You are responsible for the security of original checks between capture and destruction, for destroying them within the window stated in your agreement, and for not presenting any item more than once by any channel. You are responsible for the accuracy of the images and data you transmit and for maintaining the confidentiality of your Treasury Gateway credentials. Calder Bank & Trust will never ask for a password or a Duo Security passcode by telephone, email or text message. Report a suspected compromise immediately at (423) 555-0142. See Report Fraud and Security.
Calder Bank & Trust, N.A. is a national banking association regulated by the Office of the Comptroller of the Currency and a subsidiary of Calder Financial Corporation. Headquarters: 401 Market Street, Chattanooga, Tennessee 37402. Routing number 064209731. NMLS ID 448193. Member FDIC. Equal Housing Lender.
Page last reviewed August 3, 2026. Service terms, cut off times and fees are subject to change as described in your agreement.