Remote Deposit Capture

Stop losing check deposit revenue to fraud, failed IQA, and manual exceptions. Veryfi's RDC platform — Camera SDK, Check OCR API, and real-time fraud detection — gives fintechs, banks, and B2B payment platforms a complete deposit automation stack with Check 21 compliance built in.

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Remote Deposit Capture

Why Veryfi

Mobile & Browser SDK · Check OCR API · Check 21

Check in. Deposit out.

Veryfi’s Remote Deposit Capture captures IQA-ready check images and extracts MICR, amounts, signatures, and endorsements via POST /api/v8/partner/checks. Output JSON, TIFF, X9.37, or ACH while blocking duplicate and altered checks before funds move.

Why forward thinking teams replace legacy RDC

Veryfi RDC · Mobile & Desktop

99.2% first-pass

On-device AI detects check edges on any surface, fixes skew and lighting, and verifies ANSI/X9 image quality before the shot is submitted. In one API call, you get structured JSON, front/back TIFFs, X9.37 cash letters, or ACH data—plus real-time fraud and duplicate checks—ready in days, not months.

Legacy check scanners & SDKs

~15% exception rate

Around 15% of deposits fail first-pass review due to blurry photos, clipped corners, or misread handwritten amounts. Good customers abandon deposits in a re-capture loop, while operations teams pay per-item exception fees and catch duplicate or washed checks days after settlement.

What is remote deposit capture?

Remote Deposit Capture (RDC) lets a customer or business deposit a paper check from a phone camera, a desktop browser, or a check scanner without visiting a branch. The app captures the front and back of the check, extracts the MICR routing, account, and serial numbers along with the payment amount, and sends the digital item to the bank for clearing.

Under the Check 21 Act, banks truncate the original paper check and clear the deposit electronically—either by exchanging an ANSI X9.37 (X9.100-187) image cash letter or by converting eligible items into NACHA ACH entries.

Things to consider when buying RDC

  1. 01
    Real-time IQA on mobile and desktop. If an image is blurry, skewed, or missing a corner, the receiving bank will reject the cash letter. Veryfi’s Camera SDK enforces ANSI/X9 image quality in the viewfinder so bad frames never reach your backend.
  2. 02
    MICR + courtesy vs. legal amount verification. Reading the magnetic ink line is not enough. Your RDC stack must compare the numeric courtesy box against the handwritten legal line (amount_text) and flag any discrepancy greater than $0.01 before clearing.
  3. 03
    Restrictive endorsement & duplicate detection. Because the depositor keeps the paper check, RDC is a prime target for duplicate presentment and altered payees. Veryfi verifies the maker signature on the front, confirms “For mobile/remote deposit only” on the back, and flags duplicate serials and AI-altered checks in real time.
  4. 04
    Clearing-ready outputs (JSON, TIFF, X9.37, ACH). Whether your treasury or core banking pipeline ingests bi-tonal TIFF Group 4 images, X9.37 image cash letters, NACHA ACH files, or REST JSON, Veryfi delivers them from a single pre-trained API with zero model training.

Did you know

Under Check 21, the digital image of the front and back of a check is the legal equivalent of the original paper check—and when the numeric box and the written words disagree, the written words are the legal amount the bank must honor.

Document Capture SDKs

Our lightweight Camera SDK enables seamless check scanning across mobile and desktop environments, delivering consistently high-quality image capture regardless of hardware. Engineered for reliability in real-world conditions, the SDK auto-detects check boundaries, corrects skew and lighting, and ensures every frame meets ANSI/X9 image quality standards before submission — reducing rejects and re-capture rates at the source. AI Detects & Crops Checks on any background even white on white BUT will not detect non-check objects

Veryfi Lens

Test Drive It on your Phone

Mobile Receipt Capture SDK

Replace your phone’s camera with AI powered Lens by Veryfi to capture documents on the move, in any lighting conditions and even offline.

Download on the App Store
QR code to download Veryfi Lens
Get it on Google Play

Free demo app for iPhone and Android. Scan the code or tap a store.

  • On-device extraction
  • Offline capture
  • Document AI detection
  • Burst mode for high-volume capture
  • Blur & not-document detection
Request: Bank Check Data Extraction
import requests
url = "https://api.veryfi.com/api/v8/partner/checks"
headers = {
'CLIENT-ID': '<API_KEY_VALUE>',
'AUTHORIZATION': 'apikey <USERNAME_VALUE>:<API_KEY_VALUE>'
}
payload = {'file_url': 'https://cdn…'}
response = requests.post(url, headers=headers, data=payload)
print(response.json())
Response: Structured JSON
{
“bank_name”: “Nationwide”,
“bank_address”: “PO Box 2344\nBrea, CA 92822-2344”,
“check_number”: “118408359”,
“date”: “2021-10-04”,
“amount”: 1308.45,
“amount_text”: “One Thousand Three Hundred Eight And 45/100 Dollars”,
“receiver_name”: “Dmitry Birulia”,
“receiver_address”: “733 Long Bridge\nSan Francisco CA 94158”,
“memo”: “F-602441-2021092406733”,
“category”: “Restaurants / Dining / Meals”,
“vendor”: “DoorDash”,
“micr”: {
“routing_number”: “0118408359”,
“account_number”: “031923284”,
“serial_number”: “8765129397”
},
“fractional_routing_number”: “70-2328/719 IL”
}

API to Turn Checks into Structured Data

The only API you will ever need to accurately extract key/value data in a standardized format you can trust across any geography, language, or format — enabling seamless international business expansion without lifting a finger.

Day-1 Ready Pre-Trained Bank Checks AI Model
SDKs & code samples in Python, Node.js, PHP, C#, Java, Go and more
Detailed API Docs + FAQs that make sense
Human support from experts at HQ in Silicon Valley

No bullshit. No months of training. No “contact sales” gatekeeping. Start impressing your customers today.

Free Demo
Read API Docs

Catch Threats Before They Clear

AI-Generated Check Detection
Identifies synthetic and digitally fabricated checks using image forensics and artifact analysis, staying ahead of next-generation fraud vectors.
High-Risk Account Flagging
Cross-references deposit activity against behavioral and network risk signals to surface suspicious accounts before funds are released.
Endorsement & Signature Verification
Automatically confirms the presence of both endorsement and maker signatures, reducing liability exposure and compliance gaps.
EWS & AFS Integration
Seamlessly queries Early Warning Services (EWS) and Account Fraud Score (AFS) databases to validate account standing and enrich risk decisioning with industry-wide intelligence.

Auto-approval · Straight-through processing

Clean checks clear. Bad checks stop.

Every check is scored on capture: MICR, serial, signature, routing, and the written amount in one pass. Clean items post automatically. Exceptions land in The Vault with the reason on the row, so your team only opens what matters.

The Vault (by Veryfi) Live

Fraud & Integrity Report

Live desk · Current 7-day window

Items scored

1,284 1,278 auto-approved

Flagged to queue

6 0.47% of the book

Held for review

1 Waiting on a reviewer

Straight-through

99.5% 98.6% read confidence
Alert queue
1042841 Harborview Logistics Bank of America $48,250.00 MICR mismatch 82 high review Mar 29
883120 Northline Benefits JPMorgan Chase $12,400.00 Amount vs. words 64 medium new Mar 29
220194 Marcus T. Kellerman Wells Fargo $4,250.00 Signature 58 medium new Mar 28
771903 Cedar & Pine Co. Citibank $6,810.00 Routing mismatch 28 low watch Mar 27
1042841 Harborview Logistics Bank of America $48,250.00 Duplicate serial 22 low new Mar 29
002291 Civic Benefit Trust JPMorgan Chase $124.00 MICR mismatch 18 low new Mar 26
MICR mismatch · Score 82
Harborview Logistics 400 Harbor Ave · Boston, MA
#1042841 Mar 29, 2026
Legal amount Forty-Eight Thousand Two Hundred Fifty and 00/100
$48,250.00
Drawn on Bank of America · 0260-0959
R. Vance
⑈021000029⑈ 044819203⑆ 1042841
3D Spatial Inspector · Connected across this report

Check #1042841 · Harborview Logistics ($48,250.00)

The MICR routing (021000029) disagrees with the printed Bank of America fractional (0260-0959). Same serial also fired a duplicate alert.

Why it flagged
Alerts this week
Mon 23Clean
Tue 24Clean
Wed 25Clean
Where the risk sits
Bank Items Alerts Total Amount Share
JPMorgan Chase 420 2 · 0.5% $4,820,400 32.7%
Bank of America 186 2 · 1.1% $2,140,000 14.5%
Wells Fargo 164 1 · 0.6% $1,860,250 12.8%
Citibank 142 1 · 0.7% $1,540,810 11.1%
Capital One 114 — $1,020,420 8.8%
U.S. Bank 98 — $890,200 7.6%
PNC Bank 86 — $760,000 6.7%
Truist 74 — $640,500 5.8%
Sample book · v1.0.9 support@veryfi.com Powered by veryfi AI

SOC 2 Type II · Live

Global Bank-Grade Security & Compliance

Veryfi SOC 2 Type II compliant Certified seal

SOC 2 Type II

CERT · VERIFIED

Certified. GDPR, CCPA, and ITAR compliant.

HIPAA Compliance

HIPAA · BAA

We sign BAAs. PHI handled under HIPAA safeguards.

99.995% Uptime SLA

SLA · SAMPLED

Dedicated NVIDIA DGX — not shared cloud GPUs.

Deployment Flexibility

REGION · READY

Cloud API, hybrid, or on-premise when required.

GDPR

GDPR · READY

EU data protection. Lawful processing and subject rights.

Audit Trail

API · LOGGED

Every API call logged and timestamped for regulators.

Built for the banks that can’t afford “good enough.”

FAQ

  • How do I test this?

    Click the “GET STARTED FOR FREE” in the header and then signup for a free 14 day trial. It’s that easy. No credit card required to trial the software for 14 days.

  • Where are the API docs?

    Go here https://docs.veryfi.com/api/checks/process-a-check/

  • Is there Fraud Detection?

    Yes. We have built a special AI-powered model which scrutinizes each check submission using various signals and triggers to flag potential fraud.

    Some of those signals include:

    – MICR Mismatch: MICR raw string is present but fewer than 2 of the 3 key fields (routing_number, account_number, serial_number) could be parsed — suggests an unreadable or altered MICR band
    – Duplicate Serial: Two or more checks in the batch share the same check_number or micr.serial_number — classic duplicate-deposit signal
    – Amount-Text Mismatch: meta.amount_text_value and doc.amount differ by more than $0.01 — written-out words don’t match the numeric amount
    – Signature Anomaly: doc.is_signed is false or null — signature field absent or not confirmed
    – Routing Mismatch: micr.routing_number is missing or fewer than 8 digits — may indicate a forged or incomplete MICR line
    and many more.

  • I want to talk to a person

    No worries. You can email our support on support@veryfi.com or contact our industry experts on sales@veryfi.com and they can guide you through all the available features.

  • Does it read handwritten text?

    Yes.

  • Do you have mobile check capture?

    Yes. You can try the mobile version from iOS App Store or Android Play Store

  • Support for X9 file format?

    Yes, modern solutions like Veryfi’s bank check deposit platform leverage this X9.37 standard to provide seamless electronic check processing capabilities. By supporting the X9 format, Veryfi enables financial institutions and businesses to efficiently digitize and process check deposits while maintaining compliance with industry standards for electronic check exchange.

    The X9 format, specifically X9.37, is a standardized file format used in the banking industry for the electronic exchange of check and image data. It essentially acts as a digital container for check images and related information, enabling financial institutions to process check transactions electronically. This format allows for the exchange of both front and back images of checks, along with textual data describing the check items, facilitating the processing of both forward and return items.

Bank Checks OCR API

Bank Checks OCR API
Banking Financial Universal Fraud-detection

Extract data from bank checks, including routing and account numbers. Process check amounts, payee information, dates, and memo fields to automate payment processing, fraud detection, and financial reconciliation workflows.

Learn More Learn More

Fraud Detection API

Fraud Detection API
Agnostic Agnostic Universal Fraud-detection

Identify altered bills, manipulated receipts & bills, suspicious activities, duplicate documents and more. Mitigate risks in your loyalty programs and bill payment solutions by proactively flagging potential fraud, eliminating risk and associated costs.

Learn More Learn More

Lens™ for Mobile (iOS & Android)

Lens™ for Mobile (iOS & Android)
Agnostic Lens Universal

Transform your app with an intelligent document scanner that just works. You control the UI/UX and we give you the power of AI via our small but powerful camera framework & SDK handles the hard stuff - bad lighting, tricky angles (even hand held), messy backgrounds - so users can capture crystal-clear document scans anywhere, anytime and even offline.

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Watch on YouTube
Instant Bank Check Data Extraction with Veryfi Instant Bank Check Data Extraction with Veryfi
Bank Checks: Mobile Capture & Extraction API Bank Checks: Mobile Capture & Extraction API
Bank Check OCR API using Veryfi Lens [developer demo] Bank Check OCR API using Veryfi Lens [developer demo]
Document Capture using Vision AI: Veryfi Lens for Mobile iOS & Android Document Capture using Vision AI: Veryfi Lens for Mobile iOS & Android
Document Capture: Lens integration in Swift (iOS) Document Capture: Lens integration in Swift (iOS)