Introduction
Citibank’s Remote Deposit Capture (RDC) service lets businesses scan checks and transmit digital images for deposit—eliminating branch visits and accelerating funds availability. Whether you’re a small business or large corporate treasury, RDC saves time, reduces float, and streamlines your cash‐management workflow. This guide walks you through eligibility, technical requirements, enrollment, and configuration steps to get your RDC service up and running smoothly.
1. Eligibility & Account Requirements
- Citibank Business Account: Must maintain an active Citibank business checking account (e.g., CitiBusiness® or commercial checking).
- Account Standing: No unresolved returned items or overdraft issues in the past 90 days.
- Minimum Balance: Certain RDC tiers require maintaining a combined average balance (CAMB) threshold—check with your Relationship Manager for details.
2. Technical & Hardware Prerequisites
| Component | Specification |
|---|---|
| Scanner | Commercial check scanner (using TWAIN or ISIS drivers) |
| Operating System | Windows 10 or higher (64-bit) |
| Browser | Latest versions of Chrome, Edge, or Safari |
| Internet Connection | High-speed broadband with minimum 5 Mbps upload |
| Security | Corporate-grade firewall and up-to-date antivirus software |
Pro Tip: Citibank provides a list of certified scanners—choose from Canon CR-L1, Panini Vision X, Fujitsu fi-7600, or similar models supported by CitiDirect® BE.
3. Enrollment & Agreement
- Contact Your Relationship Manager
Discuss RDC tiers (per-item pricing vs. monthly subscription) and select the right package. - Complete the RDC Service Agreement
Sign Citibank’s Remote Deposit Capture Addendum, outlining limits, cut-off times, and responsibilities. - Nominate Authorized Users
Provide names and contact details for employees who will have RDC access and permissions.
4. Installing & Configuring RDC
A. Access CitiDirect® BE®
- Login: Use your existing CitiDirect® BE® credentials. If you don’t have CitiDirect®, request activation through your Relationship Manager.
- Module Activation: Ensure the Remote Deposit Capture module is enabled in your profile under Services → Cash Management.
B. Install Scanner Drivers & Software
- Download Drivers: Install the TWAIN/ISIS drivers for your certified scanner from the manufacturer’s website.
- Install CitiScan® Utility (if provided): Some Citibank RDC packages include a desktop utility to facilitate image preprocessing and quality checks.
C. Configure RDC Settings in CitiDirect® BE®
- Navigate to RDC Setup: In CitiDirect® BE®, go to Management → Remote Deposit Capture → Configuration.
- Define Deposit Location: Assign your deposit account(s) and specify cut-off times (e.g., 7:00 PM ET) for same-day credit.
- Set Image Quality Rules: Choose auto-accept thresholds for MICR readability and image resolution (200–300 dpi).
- Assign User Permissions: Control who can scan, submit, and approve deposits, and set daily/weekly deposit limits per user.
5. Testing & Go-Live
- Test Deposit
- Scan a few sample checks and submit them in test mode.
- Verify receipt in the CitiDirect® BE® RDC Work Area and check MICR accuracy.
- Review Test Results
- Confirm that images meet Citi’s image-quality standards (no cut-offs, proper orientation).
- Check that amounts and account numbers are correctly read.
- Production Activation
- After successful testing, switch to Production Mode in the CitiDirect® BE® configuration.
- Begin scanning live checks for deposit; monitor transactions via the Deposits History screen.
6. Best Practices & Ongoing Management
- Daily Reconciliation: Compare RDC images and deposit totals against your general ledger to catch errors early.
- Maintain Scanner Cleanliness: Regularly clean rollers and glass to prevent streaks or misreads.
- Monitor Limits & Alerts: Set up email notifications for deposit failures, rejected items, or approaching daily limits.
- User Training: Provide refresher sessions on image-capture techniques—proper lighting, check alignment, and endorsement placement.
Conclusion
Citibank’s Remote Deposit Capture service empowers your business to deposit checks quickly and securely from your office—reducing float, cutting costs, and improving cash flow. By following this setup guide—verifying eligibility, installing certified hardware, configuring CitiDirect® BE®, and conducting thorough testing—you’ll be ready to go live with a robust RDC solution. For personalized assistance, contact your Citibank Relationship Manager or call CitiDirect® BE® support.
Ready to streamline your deposits? Reach out today and transform your check-deposit process with Citibank RDC.