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Remote Deposit in SinglePoint — Desktop and Mobile Check Capture With Same-Day Posting

Remote deposit is the SinglePoint check capture service that lets businesses deposit paper checks from the office or the field without visiting a bank branch. Staff scan checks through a certified desktop scanner connected to a workstation, or capture images with the SinglePoint mobile app on iOS and Android. Captures before the morning cutoff post the same business day, accelerating cash availability and removing branch trips from the daily workflow.

Duplicate detection compares every submitted image against recently deposited checks using MICR, amount, and image hash so the same check never posts twice — across users, devices, and channels. Check 21 imaging exchange clears submissions through the US Bank infrastructure, with front and back images archived for seven years to satisfy audit and customer service research. Role-based deposit limits, dual authorization on high-value items, and encrypted transmission round out the control model.

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SinglePoint remote deposit capture screen showing scanned check front and back, MICR read, and duplicate detection results

Remote Deposit in SinglePoint — Summary for Operations Teams

  • Desktop scanner capture through SinglePoint-certified single-feed and multi-feed scanners on Windows and macOS
  • Mobile capture through SinglePoint iOS and Android apps with auto-align viewfinder and endorsement validation
  • Same-day morning posting for captures submitted before the daily cutoff window
  • Duplicate detection across users, devices, and channels using MICR, amount, and image hash matching
  • Image archive retention of seven years for front and back of every deposited check under Check 21
  • Role-based per-item and per-day deposit limits with dual authorization above configurable thresholds
  • Encrypted submission over TLS 1.3 with multi-factor authentication on every deposit session

Two Capture Paths, One SinglePoint Platform

Whether checks arrive at a corporate mailroom or a salesperson collects payment in the field, SinglePoint has a remote deposit mode that fits.

Desktop Scanner — High-Volume Office Capture

Desktop remote deposit handles steady volumes of checks received at the office by mail or courier. Operators load the scanner feed tray, the SinglePoint client reads every MICR line, captures front and back images, and presents a review screen where operators verify amounts and assign customer or invoice references. Single-feed scanners suit departments processing 5-50 checks per day; multi-feed scanners accelerate through 200+ per day with automatic page separation and exception routing. Scanner capital cost is modest and runs on the existing workstation.

Mobile App — Field and Occasional Capture

Mobile remote deposit uses the SinglePoint app on iOS and Android to capture checks with a smartphone camera. Users endorse the check with the required restrictive endorsement, photograph front and back, enter the amount, and submit. Auto-capture aligns the check within a framed viewfinder and triggers when the image is sharp and legible. Mobile deposit suits field sales teams collecting payment at customer sites, small branch offices without scanner infrastructure, and occasional deposits between major mail runs. Per-item and per-day limits tailor to the mobile use case.

Remote Deposit Options Compared in SinglePoint

Match equipment and workflow to your check receipt volume and field vs office mix.

OptionEquipmentVolume FitPostingLimits
Desktop Single-FeedPanini Vision X or similar5-50 checks/daySame-day before 8:00 PM ET$50,000/item, $250,000/day typical
Desktop Multi-FeedDigital Check CX30 or similar50-500 checks/daySame-day before 8:00 PM ET$100,000/item, $1,000,000/day typical
Mobile App — Standard UseriOS or Android smartphone1-10 checks/day per userSame-day before 8:00 PM ET$10,000/item, $25,000/day typical
Mobile App — Field SalesiOS or Android smartphone10-50 checks/day per userSame-day before 8:00 PM ET$25,000/item, $100,000/day per role
High-Speed OfficeCanon CR-190i or similar500-5,000 checks/daySame-day morning postingCustom tier with dedicated review team
Hybrid — Desktop + MobileScanner + app both enrolledMixed volumeSame-day before 8:00 PM ETAggregated per-day cap across channels

Remote deposit processing follows Federal Reserve Check 21 imaging exchange rules and Regulation CC funds availability. Deposits hold within FDIC-insured US Bank infrastructure. Item and daily limits are tailored per client risk review and may differ from the typical values shown.

How SinglePoint Remote Deposit Works End-to-End

From capture through review, submission, clearing, and archive — every step runs inside the SinglePoint remote deposit module with full audit trail and duplicate protection.

SinglePoint desktop scanner workstation capturing checks with MICR read and amount verification on the review screen

Capture — Desktop or Mobile

Desktop users load the scanner feed tray with endorsed checks. The SinglePoint client reads every MICR line, captures front and back at high resolution, and presents a review screen for amount verification and reference assignment. Mobile users photograph front and back of endorsed checks within the auto-capture viewfinder, and the app compresses the image without loss of MICR legibility before transmission. Both paths require the restrictive endorsement "For mobile/remote deposit only at US Bank" on every check before submission — SinglePoint validates the endorsement through image analysis and prompts operators to re-endorse missed items.

Lockbox Processing
SinglePoint duplicate detection dialog showing a previously deposited check matched by MICR and amount

Duplicate Detection and Review

Before submission, SinglePoint compares every image against the duplicate detection cache — MICR line, amount, and image hash from all recently deposited checks across the company account structure. A match blocks the deposit with an alert showing the prior deposit date and channel. This catches the common pattern of a busy mailroom depositing the same check twice (once by scanner, once by a colleague on mobile) before it becomes a returned item and a customer service issue. Suspected duplicates route to an exception queue where an authorized reviewer confirms or releases. Items above configurable thresholds route to dual authorization regardless of duplicate status.

Positive Pay
SinglePoint remote deposit archive showing front and back images of a cleared check with retrieval search by date

Clearing, Archive, and Reporting

Submitted deposits clear through Check 21 imaging exchange at US Bank. Captures before the morning cutoff post funds the same business day; later captures post next business day. Cash position updates as funds become available. Every deposit image — front and back — archives for seven years under Check 21 and Regulation CC, retrievable by check number, date range, or customer reference. BAI2 export and ERP integration carry deposit detail to SAP, Oracle, NetSuite, and Microsoft Dynamics for automated receivables posting against open invoices. Paper checks hold for a defined retention window (typically 14 days for desktop, 60 days for mobile) then securely destroy under documented procedures.

ERP Integration

Remote Deposit Security and Control Model

Remote deposit is convenient but introduces fraud surface that branch deposits don't. SinglePoint stacks controls to keep the convenience without the exposure.

Restrictive Endorsement Requirement

Every remotely deposited check requires "For mobile/remote deposit only at US Bank" written below the signature. SinglePoint validates the endorsement through image analysis before accepting submission.

Duplicate Detection

MICR, amount, and image hash matching catches duplicate submissions across users, devices, channels, and dates — blocking the common mailroom double-deposit before it creates a return.

Role-Based Limits

Per-item and per-day deposit caps tailor to each user role — standard office users, field sales, branch managers — so any single compromised account can't drain a day's worth of capacity.

Dual Authorization

Deposits above configurable thresholds route to dual authorization. A second reviewer confirms the image, amount, and endorsement before the deposit transmits to clearing.

Encrypted Transmission

TLS 1.3 encrypts every image and MICR line transmitted from the scanner or mobile app to US Bank. Multi-factor authentication gates every deposit session to prevent unauthorized access.

Paper Retention and Destruction

Physical check retention policies require secure storage for 14-60 days after successful capture, then destruction under documented procedures. Stops the risk of a captured check being redeposited by mistake.

Related SinglePoint Receivables and Payment Modules

Remote deposit complements lockbox, positive pay, and ACH origination to cover inbound and outbound check workflows.

Lockbox

Lockbox for high-volume mailed customer payments processed at a PO box with remittance extraction and image archive.

Positive Pay

Positive pay on the outbound side to stop check and ACH fraud against the same accounts receiving remote deposits.

ACH Origination

ACH origination for electronic collections as an alternative to paper check capture where customers support ACH debits.

Enable Remote Deposit Across Your SinglePoint Accounts

Deposit checks from the office or the field without branch trips. SinglePoint desktop and mobile remote deposit post same-day with duplicate detection and seven-year image archive. Follow the login guide to reach the remote deposit console or call +1-877-272-2265 for scanner procurement and user role setup.

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Frequently Asked Questions About SinglePoint Remote Deposit

Answers about desktop scanners, mobile app capture, same-day posting, and duplicate detection in the remote deposit module.

What is remote deposit in SinglePoint?

Remote deposit lets businesses deposit paper checks through a desktop scanner or the SinglePoint mobile app without visiting a branch. Captures submit through Check 21 imaging exchange, post same-day for morning submissions, and archive front and back images for seven years. See lockbox for outsourced high-volume processing.

What equipment do I need for desktop remote deposit?

A SinglePoint-certified check scanner — Panini, Digital Check, or Canon — connected via USB to a Windows or macOS workstation running the SinglePoint client. Single-feed scanners suit 5-50 checks/day; multi-feed handles 200+ per day. Most sites are operational within a few business days of enrollment.

How does mobile remote deposit work?

The SinglePoint iOS and Android app captures checks with the smartphone camera. Endorse with "For mobile deposit only at US Bank", photograph front and back in the auto-align viewfinder, enter amount, and submit. Per-item and per-day limits tailor to the user role. Confirmation arrives on submission and again at US Bank clearing.

How does SinglePoint detect duplicate deposits?

Every image compares against recently deposited checks using MICR, amount, and image hash. Matches block submission and alert the user with the prior deposit date and channel. Works across users, devices, and channels within the company account structure, catching the common double-deposit before it becomes a returned item. Supported by OCC expectations for remote deposit controls.