With RDC (remote deposit capture) members can use their It’s Me 247 login to gain access to Mobile Check Deposit, Mobile Banking, Transfer Money, and much more. You have the option to post these items yourself (manual posting) or you can select the RDC IQ (near real time posting) to post your members’ transactions in the fastest manner possible – a few seconds in many cases.
Your RDC posting transactions will be routed through an API to the GOLD application to post on receipt. If the RDC transaction passes your business rules, this will be almost immediate. If the item is held for review, then the posting will be delayed until the transaction is reviewed. If it is approved, then the posting process will resume; there may be a brief delay in this case, as the item must be reacquired by the posting routine and moved back into the process. Your member will see their deposit very quickly after approval, in any case.
Cost & Fees (RDC for Mobile App)
- One-time fee
- Under 3,000 members – No setup fee
- 3,000-10,000 members – $2,995
- 10,000+ members – $3,995
- Ongoing fees
- Under 3,000 members – $99 for the first 6 months and then $175/month (Monthly Maintenance Fee)
- 3,000+ members – $175.00 (Monthly Maintenance Fee)
- $0.45 per item fee
- ArchView DVD (if not already set up) – $50 quarterly
- Less than 5,000 members $75/month (eDOC RDC IQ Monthly Process Fees)
- Greater than 5,000 members $125/month (eDOC RDC IQ Monthly Process Fees)
- Setup Fee $500 (CU*Answers RDC IQ Process Fees)
- Monthly Charges $25 (CU*Answers RDC IQ Process Fees)
Costs & Fees (RDC IQ)
- One-time fee: $500.00
- Ongoing fees: $100/month
Additional Resources
- OpsEngine Store - RDC IQ
- IRSC Store - Add RDC to Mobile App
- RDC Autopost Processing: What You Need to Know to Get Started Brochure
- Posting Remote Deposit Capture (RDC) Checks to CU*BASE Reference Guide
- Mobile App Banking with Remote Deposit Capture Reference Guide
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