National Check Professional (NCP) Certification Practice Test

Which type of RDC allows for check capture outside the bank's processing control?

1. Branch Capture

2. Customer Capture

3. Corporate-consumer Capture

4. Mobile Capture

The correct answer is: Customer Capture

The correct answer is focused on Customer Capture, which refers to the ability for individual customers to capture checks using their own equipment or devices, separate from the bank's immediate processing systems. This method empowers customers to process their checks remotely, which can be beneficial for convenience and efficiency. Customer Capture typically involves using scanners or mobile devices to digitize checks and transmit that data directly to their financial institution. This allows customers not only to deposit checks from home or on-the-go but also means they have a greater degree of control over the deposit process without the bank needing to directly manage the image capture. In contrast, the other types mentioned are managed more closely by the banking institution or have different operational controls. Branch Capture involves check processing done at the bank's own branch locations, where the institution maintains oversight. Corporate-consumer Capture generally applies to businesses that capture checks but still fall under the bank's processing systems. Mobile Capture could refer to customer-initiated check capture as well, but it's often viewed more as an implementation method rather than a distinct category like Customer Capture. Thus, Customer Capture correctly reflects checks captured outside the bank's direct processing control.