Deposit Business Checks From Anywhere
Snap checks with the free ACU Business RDC app, or scan them at your desk. A check sitting in a drawer is not working for your business. Deposit it the day it arrives.
Snap It on the Go or Scan It at Your Desk
Remote deposit capture sends business checks to your America’s Credit Union business account without a trip to the branch. Use the app, a check scanner, or both.
The ACU Business RDC App
ACU Business RDC is a free app built only for business deposits. It is separate from the ACU Mobile Banking app, so business checks always go to your business account. Once your business is enrolled, deposit from your phone or tablet wherever the check lands.
- Free for iPhone and iPad (iOS 17 or later) and Android
- Several checks in a single deposit
- Biometric sign-in on your device
- No scanner or other equipment needed
A Check Scanner in Your Office
If checks arrive at the office every day, a compatible check scanner turns your desk into a deposit window. Scan, review, and deposit without leaving your chair, and keep a clean electronic record of every check.
- Works with a compatible check scanner
- Deposit from your office on your schedule
- Electronic record of every deposit
- Use it alongside the app if you like
Why a separate app? ACU Business RDC handles deposits to ACU business accounts only. For checks made out to you personally, use the ACU Mobile Banking app. Keeping them apart helps keep business payments out of personal accounts.
Your Time Is Worth More Than a Drive to the Branch
Every trip to deposit a check is time away from customers. Remote deposit capture gives that time back.
Money Moves Sooner
A check in a drawer is not money in your account. Deposit it the day it arrives and keep cash flow moving.
Deposit Where Checks Land
At the front desk, on a job site, or between appointments. If you have your phone, you have a deposit window.
Several Checks, One Deposit
Add a stack of customer payments to a single deposit in the app instead of handling them one at a time.
No Race Before Closing
Skip the drive and the line. Your deposit fits around your workday, not branch hours.
Nothing Gets Misplaced
Checks are captured electronically, so payments do not go missing between the office and the branch.
Built for Business
A dedicated app for business deposits only, with biometric sign-in, kept apart from personal banking.
What Remote Deposit Costs
No surprises. The app is free to download, and the service has one setup fee and one monthly fee.
From the Business Deposit Rate and Fee Schedule effective October 1, 2026.
Three Steps to Your First Remote Deposit
Our business services team turns on remote deposit capture with you, then you are a download away from depositing.
Turn It On
Ask our business services team to enroll your ACU business account in remote deposit capture. New to ACU? Open a business account first.
Get the App
Download ACU Business RDC for iPhone, iPad, or Android, or set up a compatible check scanner at your desk.
Snap and Deposit
Photograph each check, add as many as you need to one deposit, and submit. That is the whole trip.
“ACU's business team provides the kind of personalized service and local decision-making that you just can't find at the big banks. They understand our business and respond fast.”
Remote Deposit Capture FAQ
Answers to the questions business owners ask most about depositing checks remotely.
Disclosures
Remote Deposit Capture requires an ACU business account and enrollment in the service. The ACU Business RDC app is free to download for iPhone and iPad (iOS 17 or later) and Android, works only for enrolled businesses, and accepts deposits to ACU business accounts only; deposits to personal accounts use the ACU Mobile Banking app. Remote Deposit Capture fees: $100 one-time setup fee and $40 monthly fee, or $60 monthly for Remote Deposit Capture and ACH Origination together, per the Business Deposit Rate and Fee Schedule effective October 1, 2026; fees are subject to change. Deposit availability is subject to funds-availability policies. Membership required. America’s Credit Union is a federally chartered credit union insured by the NCUA up to $250,000 per ownership category. NMLS #449181. Equal opportunity lender. Apple, iPhone, and iPad are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Play and Android are trademarks of Google LLC.
Your Next Check Can Skip the Drive
Talk with our business services team to turn on remote deposit capture, then deposit from wherever the next check lands.