Remote Deposit Capture
Skip the trip to the bank.
iStream’s Remote Deposit Capture (RDC) solution helps organizations digitize check deposits and streamline receivables without disrupting existing banking relationships.
Modern check processing, without the complexity.
Our RDC solution transforms paper checks into digital deposits while preserving the data and controls finance teams need, reducing delays, improving accuracy, and simplifying reconciliation.
Why RDC and iStream?
- Designed for businesses, financial institutions, and platforms handling high check volumes.
- iStream was one of the early pioneers in Remote Deposit Capture (RDC) following the passage of the Check 21 Act.
- Our solution works alongside your existing systems and banking relationships, focusing on integration, automation, and process improvement.
Whether you’re modernizing a legacy workflow or supporting a dynamic volume of check payments, iStream provides a practical path forward.
✅ Simple to use, easy to install
Simply download our client application and enter your assigned credentials to get up and running. Our technical team will evaluate your system compatibility to ensure you are adequately powered for peak performance.
Most users are trained and operational in under 30 minutes.
Our bank-agnostic solution works across multiple financial institutions, allowing organizations to deposit checks without changing existing banking relationships.
Returns happen. Manage them digitally through a paperless, web-based workflow with no guesswork needed. Our system finds and matches the return for you and provides timely notifications so your team can act faster to resolve issues.
RDC connects bank routing and account data to the correct customer, helping organizations automate posting and reconciliation. This reduces manual effort and speeds up back-office workflows.
Every deposit goes through automated validation for check amounts, account information, and duplicates. Items that fall outside defined thresholds are flagged for human review before submission, ensuring accuracy and item integrity.
Deposit activity and reports can be accessed and exported in Excel, CSV, or PDF formats.
All data is encrypted and transmitted securely to a Tier I redundant data center. No sensitive information is stored on local machines and access is available anytime. There’s no need for you to manage any on-premise servers.
iStream meets FDIC security standards and partner bank guidelines, with regular audits to support ongoing compliance and risk management.
Checks can be located and viewed instantly through an online search with a range of two years (potentially more) from when they were originally processed. No manual retrieval required.
Automated workflows allow for later deposit cutoffs and quicker clearing, helping organizations improve cash flow compared to traditional deposit processes.
Manage deposits from multiple locations and accounts in one place. Consolidated reporting eliminates manual aggregation while maintaining secure, role-based access controls.
No need for overnight packages, couriers, or faxes of deposit slips to a central location.
Lockbox Processing/Remittance
For organizations that receive large volumes of mailed checks, iStream also supports lockbox processing on a selective basis.
Lockbox services can be paired with RDC to:
- Centralize mail receipt and check handling
- Accelerate deposit timelines
- Reduce internal mail processing and manual effort
Because lockbox needs vary widely by industry and volume, this capability is evaluated and implemented case by case to ensure the right operational fit.
Let’s talk about your RDC needs
Every check workflow is different. If you’re looking to improve deposit speed, reduce manual effort, or modernize how checks move through your organization, iStream can help.
Contact us today to discuss Remote Deposit Capture with iStream and schedule a free demo.