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Remote Deposit Capture ("RDC") Security Guide

Refer to Commercial Online Banking Agreement for full terms and conditions.

General Security Reminders:

  • Store checks in a secure/locked location on site.
  • Destroy/shred checks after 91 days.
  • Do not share login and password information.
  • Maintain up-to-date anti-virus software.
  • Protect against unauthorized access to the Scanner and the Remote Deposit Services, including unauthorized electronic or internet access to the programs.
  • Notify Southern First immediately if you have any reason to believe security or confidentiality has been or may be breached. 

Procedural Reminders:

  • Training your employees on the technical and operational procedures related to RDC is critical to ensure effective and accurate RDC transmissions.
  • RDC Services should be used for business purposes only.
  • Batch transmissions can occur Monday – Friday, between 8:00 AM, EST and 6:00 PM, EST (excluding Federal Holidays).
  • Check images should be reviewed prior to approving a batch to verify checks can be read clearly.
  • Duplicate checks identified by the system should be reviewed prior to your approval of a batch.
  • Chargeback notices will be delivered electronically through Business Online Banking; however, instructions from Southern First along with the substitute check (if applicable) will be sent via USPS. Do not re-deposit the original check if a chargeback occurs.
  • Instructions on how to handle adjustments will be sent by letter through the USPS. Wait for instruction from Southern First before re-depositing the original check.
  • Southern First may conduct on-site inspections to confirm adequate RDC processes are in place and meet the requirements outlined in the Commercial Online Banking Agreement.
  • Contact your Client Officer or call Client Solutions at 866-314-5638 regarding:
    • Connectivity Issues
    • Temporary Limit Increases