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Remote deposit refers to the ability to deposit a check into a bank account from a remote location, such as an office or home, without having to physically deliver the check to the bank. This is typically accomplished by scanning a digital image of a check into a computer, then transmitting that image to the bank, a practice that became legal in the United States in 2004 when the Check Clearing for the 21st Century Act (or Check 21 Act) took effect. This service is typically used by businesses, though a remote deposit application for consumers has been developed〔(FIS Introduces Consumer Remote Deposit Solution ), ''Bank Systems & Technology'', July 24, 2008. Accessed on July 27, 2008.〕 and has begun to be implemented by a handful of banks.〔(BankFox - Deposit Checks Online With Your Scanner )〕 It should not be confused with: * Direct deposit, which refers to the practice of posting an employee's weekly earnings directly to his or her bank account. * Online deposit, which refers to a retail banking service allowing an authorized customer to record a check via a web application and have it posted, then mail in the physical check, giving the customer access to the funds before the check clears in the usual way. While this type of service does not involve a scanner nor take advantage of the Check 21 Act, it is also sometimes called remote deposit. Intended in part to keep the country's financial industries operational in the event of a catastrophe that could make rapid long-distance transportation impossible, like the September 11, 2001, attacks, the Check 21 Act makes the digital image of a check legally acceptable for payment purposes, just like a traditional paper check. Before 2004, if someone deposited a check from one bank (for example, PNC Bank) into an account at a different bank (for example, Bank of America), the banks would have to physically exchange the paper check before the money would be credited to the account. But under Check 21, one bank can simply send an image of the check to the other bank. This reduction of the transportation time from total processing life cycle of a check provides a longer time for the corporation to process the checks. Often, this additional processing time allows the corporation to deposit mo items at an earlier cutoff time than they otherwise would. In addition, most bankls offering Remote Deposit Capture have extended the cutoff times for deposit-8:00 pm, while the deadline for regular paper deposits is 4:00 pm. The practical effect of the law is that checks can still be deposited and cleared, even if a disaster makes it impossible for banks to exchange the physical paper checks with each other. == Mobile deposit == USAA in 2009 became the first bank to permit customers to deposit checks with a smartphone. The customer uses the phone's camera to capture an image of the front and back of the check. The images, along with other verification information, are transmitted to the bank, where final validation occurs. The customer does not mail in the original check, instead voiding or discarding it. According to an industry study conducted in late 2013, only 10% of U.S. banks and credit unions offered mobile deposit, though many more planned to do so. But the largest U.S. banks do offer mobile deposit, including Bank of America, Chase, Citibank and Wells Fargo.〔(【引用サイトリンク】url=http://promo.bankofamerica.com/mobile-check-deposit/ )〕〔(【引用サイトリンク】url=https://www.chase.com/mobile-banking/check-deposit )〕〔(【引用サイトリンク】url=https://online.citibank.com/JRS/pands/detail.do?ID=MobileCheckDeposit )〕〔(【引用サイトリンク】url=https://www.wellsfargo.com/mobile/apps/mobile-deposit/tour/ )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「remote deposit」の詳細全文を読む スポンサード リンク
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