When members post check deposits via RDC, what’s most important to them is getting the money into their account quickly. RDC-IQ is the fastest way to post RDC transactions to your member accounts – and the most cost-effective for your credit union. RDC-IQ is the near-real-time posting service solution you’ve been waiting for! If you use eDOC Innovations as your RDC back-end processing vendor, then take your RDC program to the next level. When a member deposits a check via  More...

We first suggest unenrolling the member by clicking the “Unenroll” button located, in the middle of the admin tab on the iDocVAULT screen. Then you can uncheck the “Mobile Enabled” box as well. This will make it so the member receives an error when they are trying to enroll in Remote Deposit Capture. The only way they would be able to enroll again is if someone at the credit union checks that box for the member.

The posting of items will be delayed for the following reasons: The item fails your credit union’s business rules or has holds placed on items from your Automated Deposit Holds and Electronic Deposit Holds configurations. (These rules are also followed by RDC-IQ.) Your credit union is currently being processed through end-of-day or beginning-of-day. There is system maintenance, a rollover, or an event that impacts system availability. There are communications issues. In these instances, t  More...

The following things are not affected by 7-day back office processing changes implemeted in February 2019. ACH - ACH will continue to process as always. OTB - OTB is not affected by 7-day back office processing. RDC - Deposits are processed seven days a week or by credit union configuration. eAlerts - These are sent with an automated process that is not changed with 7-day back office processing.

Assuming everything is working normally, most items posted using RDC-IQ posting services will post within seconds. By the time the member navigates to their account, the money will already be deposited.

You can post an unlimited number of member transactions using the RDC-IQ posting service.

Yes. CU*Answers currently provides RDC Posting Services (batch posting) for both eDOC Innovations and UrbanFT. These can both be processed simultaneously. This scenario is used when a credit union migrates from one vendor to another. NOTE: Multiple vendors are not supported with RDC-IQ.

Yes! eDOC Innovations provides the ability for a credit union to send automated emails to members should an item be rejected by the CU. It could be an item that was not endorsed properly, bad image, duplicate item, etc.; things beyond daily limits and only known once the check is sent for processing. This item is available in the eDOC Innovations online store for a very small one time setup fee. If you need eDOC to update all of your enrolled users email address in our system we can help wit  More...

This can be done if you completely close down your program with your existing vendor and do a hard cutover to RDC-IQ. However, depending on the status of your program, you may want to allow your members time to migrate. If you use a vendor other than eDOC Innovations for batch posting (UrbanFT, for example) and want to use RDC-IQ, we recommend that you first migrate to eDOC Innovations and use RDC Posting Services (a batch file process). Once you terminate your program with the former vendor, w  More...

The approach to finding data on mobile check deposits, or Remote Deposit Capture (RDC) activity, will depend on what systems and processes are used to post them to the member’s account. If deposits are automatically posted : Check out Tool #1985 Auto-Post RDC Deposit Dashboard to find a listing of every posted deposit (or attempts that ended in error), for any date or time period you are interested in. Total amount and number of checks are included for quick reference. Interested query-w  More...

Your credit union should require that the member use a restrictive endorsement – ‘For mobile deposit to [your credit union name]’. It is also recommended that your member agreements shift liability for a second presentment of an item to the depositor if the depositor fails to use the required language. Also, check with your RDC Process Vendor; eDOC Innovations, for example, offers a service that will scan for restrictive endorsements on all RDC items on submission.

Make sure that the mobile device has a Keyboard Type of English, United States. Then it may also be necessary to change the region to show as United States. This is a common reason that members are unable to get past the Amount field.

If a user submits an RDC check that is for an amount over the loan payoff, a error message will appear and not allow them to proceed. In this case, the check would need to post to their savings/checking account and a transfer to pay off the loan would need to be posted separately.

With your onboarding to RDC-IQ we will review the following with you to ensure your members’ check funds are released as you expect. For a check to be available right away, your credit union business rules (through e-DOC) will need to be set so that you do not need to review every check as it is processed. For example, your business rules must be set such that items at or below a chosen amount are not held for review, the maximum number of items a member can deposit is appropriate, and t  More...

Yes, you can still set restrictions on the immediate release of funds, including setting a maximum check amount. You will build these requirements into your business rules. We will assist you with this during your onboarding process.

You can do this by launching Tool#1650 Work RDC Enrollments/Pending Deposits, accessing the 'RDC Admin' tab at the top, and then 'Run Reports' tab underneath that. From the dropdown list that appears, select 'RDC Amounts' and then enter your date range. When you are ready, click the green 'Run Report' button. These reports can be displayed in either a pdf or CSV format. These reports can be downloaded, printed, and shared. NOTE: You must be have administator pri  More...

When one of these options are selected, only those transaction types will appear in the results dashboard. You may select only one of these checkboxes (e.g., you may not select to include only shared branch transactions and only RDC transactions). When one of these options is selected, you cannot also select specific origin codes to monitor. Shared Branch Transactions : The pattern will monitor only shared branch transactions. RDC Transactions : The pattern will monitor only RDC transactions. P2  More...

The archived image can be viewed in iDOC Vault via Tool #1650 Work RDC Enrollments/Pending Deposits . These images cannot be stored in color. The third-party software that evaluates the image quality, converts the images to grey-scale. (This smaller file is also optimized to take up less space in iDOC Vault.)

When the member completes the deposit, they will receive one of two system-generated messages. The Deposit Submitted message indicates that the check was successfully deposited. If the check was not successfully deposited, the member sees an error message. This message is standard and is not configurable by your credit union. See the Remote Deposit Capture booklet and on demand video below for pictures for the RDC Deposit process for the member.

Yes, you can block a member enrolled in Remote Deposit Capture from making future deposits. On the Member Personal Banker screen for RDC ( see help link below) , first unenroll the member from RDC. Then re-enter this screen and select Deny/Block from future enrollment . NOTE: This will stop the member from re-enrolling in RDC via the Mobile App. A credit union employee could technically re-enroll this member in RDC via this screen in CU*BASE. Follow credit union policies and procedures.

This depends if your credit union wants the limits updated across all enrolled RDC members or just a few members. If you want to update the limits for just a few members, use Tool #14 Member Personal Banker . Then use RDC Enrollment to access the screen used to update limits for that member. (See help screen below) . If you want to change limits for your entire membership, contact the CU*Answers DHD team for a quote to perform a custom flood. (S ee store tile below.)

Your credit union actually gets to decide which types of accounts can receive direct RDC deposits, including both savings/checking accounts and loans. For loans: Launch Tool #458 Loan Category Configuration , select the category, then select Audio/PC Bank . The last option listed is to allow payments via RDC. For savings/checking products: Launch Tool #777 Savings/Checking Products Configuration , select the DIVAPL, then choose ARU/Online Banking . The last option listed is to allow deposi  More...

Yes. You can set an individual member so that all their check deposits made via RDC are reviewed. From Tool #14 Member Personal Banker , select RDC Enrollment . On this screen, select Always Review All Items from the dropdown menu next to Deposit handling for this member .

Yes, your credit union can customize the email message sent to a member when a Remote Deposit check is rejected. The email can include your credit union name, phone, email, and a link to your website. The following fields can be included in the message sent to the member: Serial Number Amount Rejection Reason Rejection Explanation Refer to the eDOC Innovations store tile below for more details.

Yes, there will be a few features we are not bringing over into the new mobile first design. Features being permanently sunset: Promise Deposits - As most CUs and members have fully embraced RDC with its available near-real-time posting option, we made the decision not to bring the Promise Deposits feature into the new modules/mobile first design. Member-selected color themes, picture albums, and start page - The start page feature has been replaced by the Favorite accounts and Favorite feat  More...