Remote Deposit - FAQs
What is RDCexpress?
RDCexpress is a secure online service that allows you to scan paper checks from your desktop and electronically send the images to Christian Community Credit Union for deposit through the Internet.
 
Do I have to purchase special software to use RDCexpress?
No, RDCexpress is accessible on the Internet Online.
 
What are the system requirements for using RDCexpress?
Workstations:
933MHZ, 512MB RAM, 8MB-Video, USB 2.0 Port, keyboard, mouse, monitor
Operating Systems:

• Windows XP (32-bit): can be used with all supported scanners.

• Windows Vista 32-bit
   - certified for use with Panini and Digital Check scanner drivers
   - certified for use with Ethernet-attached Magtek scanners

• Windows Vista 64-bit
  - certified for use with Panini, Digital Check scanner drivers
  - certified for use with Ethernet-attached Magtek scanners
 
• Mac OS X
   - if used to scan checks, Mac OS is certified for use only with an Ethernet-attached Magtek Excella 
     or Excella STX scanner (requires no drivers to be installed on Mac).
   - recommended minimum is Mac OS X 10.5 (Leopard).
 
Note for Mac users: We acknowledge that many of the scanner drivers will work in a virtual Windows environment, using tools like VMWare's Fusion and Parallels Desktop. Although many of our customers find they can run scanners successfully in this type of environment, most scanner manufacturers do not certify or support their drivers for use in virtual machines. Therefore, we cannot guarantee that your scanners will work in virtual environments, and any customer support for such environments will be on a best-effort basis.

Software:
• Adobe Acrobat Reader version 6.0 or higher (free from Adobe)
• Java Runtime Environment (JRE) (web browser plug-in; free from Sun Microsystems)
- JRE 6u10 or higher
- for Windows Vista users
- for Panini VisionX 2009 and Panini I:Deal 2009 drivers
- for Digital Check 2009 driver
• JRE 1.4.2 or higher for other all other scanner driver packages
*Please note: On October 30, 2008, Sun Microsystems announced that JRE 1.4.2 had reached the end of its service life. While we do support the use of JRE 1.4.2 for several of our driver packages, we recommend that users continue to update their java installations to the latest version when possible, since many security and performance enhancements are gained by remaining current with the latest versions of the JRE.

Browsers:
• Microsoft Internet Explorer version 5.5 or higher
• Mozilla Firefox – 3.0 or higher
• Apple Safari – 3.0.4 or higher
• Google Chrome – 2.0.172.39 or higher
*Please note -: The stated version numbers are our supported minimums for each browser type. However, we recommend that users continue to update their browsers to the latest versions, using the appropriate mechanisms, to take advantage of security and performance enhancements issued by the browser vendor is a written network architecture guide for the FIS CCX application. FIS uses a layered security model for the application.

How do I download the scanner driver?
All new driver installs and driver upgrades should be installed from the documentation tab in RDCexpress.
 
What type of Internet connectivity is required?
Any broadband or DSL type Internet access, with a minimum of 128Kbps download speed. Dial up access may be used but system performance is not guaranteed. Dial up should only be used for back up.
 
What fees are charged for using RDCexpress?
There is a minimal monthly service fee, starting at $50. The monthly service fee is based on the monthly volume of checks captured. Additionally, there is a scanner cost. However, through relationship-based pricing, we have offered most of our scanners for free and waived the monthly service fee. Please contact a Ministry Development Officer for more information.

Is RDCexpress secure?
Christian Community Credit Union uses advanced technology to protect the confidentiality of your financial activities while you are online. We require a User ID and password to access any account information using RDCexpress. Account information is only displayed in the secure online application, where firewalls block unauthorized users from accessing your account information.
 
 
Can I use a scanner I already own for RDCexpress?
You can use any of the approved check scanners listed at myCCCU.com/scanners.
There is a $200 scanner certification fee. However, Christian Community Credit Union’s preferred scanner is Panini.
 
Does the scanner come with a warranty?
Warranty can be purchased along with the scanner.
 
What supplies are needed for ongoing operation of the scanner?
Scanner ink cartridges and cleaning kits are recommended to properly maintain you check scanners.
Click here to see how to maintain a Panini scanner.
 
When am I able to submit my deposits?
Deposits can be submitted 24 hours a day, 7 days a week.
 
How many checks can I include in one deposit?
You can include an unlimited number of checks in a batch. However, it is recommended that you batch your deposits by 100.
 
Can multiple deposits be submitted each day?
Yes, multiple deposits can be submitted each day.
 
By what time does an online deposit need to be submitted for same day processing?
Deposits received by Christian Community Credit Union by 10:00pm ET (7:00pm PT) are processed on the same business day and are subject to the funds availability schedules provided during RDCexpress enrollment.
 
How long should I retain the original checks?
Christian Community Credit Union requires you to retain the original checks for a minimum of 60 days. Once you've determined that the checks have been processed, the amount of time that you retain the originals should be determined by you and your legal counsel.
 
Do I need to use paper deposit tickets when using RDCexpress?
No. Physical deposit tickets cannot be used for any deposit made through RDCexpress. RDCexpress automatically creates an electronic deposit ticket for each deposit.
 
What kind of checks can be processed through RDCexpress?
Checks payable in U.S. dollars and drawn on any U.S. bank including but not limited to the following:
• Personal Checks
• Business Checks
• Treasury Checks
• Traveler's Checks
• Money Orders
 
Can foreign currency checks be processed through RDCexpress?
No. RDCexpress is only for checks payable in U.S. dollars and drawn on banks in the United States.
 
Can I export, save and print images of my deposited items?
You are able to produce reports from RDCexpress, one of which includes check images embedded in the report. These reports can be downloaded, saved and printed.
 
How long can I view information about my submitted deposits?
You are able to view information about a submitted deposit for 24 months. If you need access to the deposit after 24 months, please call 800.347.CCCU (2228) Monday through Friday, 8:00am - 5:00pm for assistance.

   

 

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