Ramping up for remote capture: remote capture seen as everything from a major plus to just another commodity. The risks of fraud dictate careful adoption.(Community Banking)(Viking Bank's Patrick D. Redmond)(Community Bank Delaware's Lynda Messick)(Summit Bank's Ann Marie Mehlum)(Discussion)

ABA Banking Journal, January, 2007 by Cocheo, Steve

"Know your customer" is a term known mainly in the anti-money-laundering arena. But now the phrase has acquired important meaning in the area of remote deposit capture for merchants.

Ann Marie Mehlum's Summit Bank, a $70 million-assets bank in Eugene, Ore., was an early adopter of RDC, and in more than one sense.

Summit began offering the technology not long after the advent of Check 21 made it practical. But it also began offering RDC only nine months after the young bank opened its doors. At its core, RDC is an express ticket into the bank's deposit column, and bankers taking part in a recent ABA Banking Journal roundtable discussion about RDC and Check 21 clearly understand that this is like a key to the gunroom--not something you place in just...

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