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Remote Deposit Capture (RDC) for Business

A businesswoman takes a picture of a check with her mobile device for a remote deposit.

Remote Deposit Capture (RDC) for Business

Save valuable time and trips to a branch with Remote Deposit Capture¹. Simply scan checks with our secure mobile app and deposit them instantly — anytime, anywhere. Get started with Remote Deposit Capture today to keep your business running smoothly without interruptions.

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¹Additional requirements may apply. Fees may apply. See BluCurrent for details.

A businesswoman takes a picture of a check using remote deposit capture.

Deposit Checks Without the Commute

Deposit Anywhere, Anytime: No need to visit a branch; deposit checks whenever it's convenient.
End-to-End Encryption: Your banking and personal information are protected.
Next Business Day Availability: Most deposits are processed and available quickly.
Deposit Most Standard Checks: Deposit personal, payroll, government, cashier's chaecks, money orders, and more.
Reduces Paper HandlingDigital deposits mean less paperwork and fewer errors.

Get Started Today

A businessman takes a picture of a check using remote deposit capture.

Deposit on Demand

Take back your valuable time by depositing checks remotely so you can focus on running your business — or simply enjoy a hassle-free banking experience.

Faster Funds Availability: Get quicker access to your money with next-business-day deposits.
Instant Confirmation: Track and verify deposits in real time.
Reduces Risk of Lost or Stolen Checks: No need to carry paper checks to a branch.
Eco-Friendly Banking: Supporter greener, more sustainable processes.

Ready to simplify processes and improve your cash flow? Click the button below to get started with Remote Deposit Capture to save time, reduce trips to a branch, and get faster access to your funds.

Get Started Today

How to Remote Deposit a Business Check

Step

Open the Mobile App

Step

Capture & Submit

Endorse the check, take clear photos of the front and back, and submit the deposit.

Step

Confirm & Retain

Wait for confirmation within the app, and keep the check for at least 30 days.

Get More Info

Starting a New Business?

Starting a business can seem challenging and it’s not always easy to know where to begin. To help us assist you, do you know the type of business entity that you are starting?

Have an Existing Business?

If you're an experienced business owner already, and know what type of business entity you have...Click below to learn more about the paperwork required to move forward with a business account at BluCurrent.

A limited liability company is a business structure that protects its owners from personal responsibility for its debts and liabilities.

A sole proprietorship is a non-registered unincorporated business run solely by one individual proprietor with no distinction between the business and its owner.

A Corporation is an independent legal entity owned by its shareholders.

A Non-Profit is a group organized for purposes other than generating profit and in which no part of the organization’s income is distributed to its members.

A Club is an association of people united by a common interest or goal.

A Partnership is an arrangement between two or more people to oversee business operations and share in its profit and liabilities.

Public funds are funds from government entities, such as school district, water district, library district, city, county, and state entities.

Limited Liability Company (LLC)

A limited liability company is a business structure that protects its owners from personal responsibility for its debts and liabilities.

What items are needed to set up an LLC?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your LLC without assistance, there are various resources available to you online.

1. Article of Organization

These are needed to officially register your business name as an official entity with the state of Missouri
For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

This is needed to give your LLC a separate Tax Identification Number (TIN).
For more information, see the IRS website: www.irs.gov

3. Operating Agreement

This is the governing document of your LLC. It outlines the business' financial and functional decisions including rules, structure, ownership, operations, regulations, and provisions

4. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Sole Proprietorship

A sole proprietorship is a non-registered unincorporated business run solely by one individual proprietor with no distinction between the business and its owner.

What items are needed to start a Sole Proprietorship?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your sole proprietorship without assistance, there are various resources available to you online.

1. Fictitious Name Filing (if applicable)

This will allow you to conduct business and accept checks to a name other than the sole proprietors name.
For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form(if not reporting under your personal SSN)

For more information, see the IRS website: www.irs.gov

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Corporation

A corporation is a type of business entity that is owned by its shareholders. There are two different types of corporations, which are S-Corporations and C-Corporations. A C-Corporation is subject to corporate taxes and has no restrictions on ownership. An S-Corporation is a pass-through entity that reports its profits on the owners’ personal taxes, and ownership is restricted up to 100 shareholders.

What items are needed to set up a Corporation?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your corporation without assistance, there are various resources available to you online.

1. Articles of Incorporation

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. Bylaws

4. Corporate Resolution

5. Evidence of Ownership (Stock Ownership or Share Certificates)

6. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Non-Profit

A non-profit is a group organized for purposes other than generating profit, and in which no part of the organization’s income is distributed to its members. Common examples of non-profits include churches, public charities, and volunteer organizations, among others.

What items are needed to set up a Non-Profit?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your non-profit without assistance, there are various resources available to you online.

1. Articles of Incorporation of a Nonprofit Organization

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. 501c3 paperwork

Tax exempt status letter

4 Bylaws

5. Meeting Minutes

Approving moving to BluCurrent and list of individuals that will be on the account

6. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Club

A club is an association of people united by a common interest or goal.

What items are needed to set up a Club?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your club without assistance, there are various resources available to you online.

1. Fictitious Name Filing

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. Signers Authority List

Outlining who the signers will be on the account

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Partnership

A Partnership is an arrangement between two or more people to oversee business operations and share in its profit and liabilities.

What items are needed to set up a Partnership?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your partnership without assistance, there are various resources available to you online.

1. Fictitious Name Filing

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. Partnership Agreement

4. Signers Authority List

Outlining who the signers will be on the account

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Public Funds

Public funds are funds from government entities, such as school district, water district, library district, city, county, state entities, etc.

What items are needed for Public Funds?

NOTE: Confer with an attorney and/or a tax professional for registration purposes.

1. EIN Form

For more information, see the IRS website: www.irs.gov

2. Evidence of Authority

To open account (Resolution, Meeting Minutes, County Commission Record, etc.)

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

A Limited Liability Company is a business entity in which the member(s) of the company are generally not held responsible for the company’s debts or liabilities.

What items are needed to set up an LLC?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your LLC without assistance, there are various resources available to you online.

1. Article of Organization

These are needed to officially register your business name as an official entity with the state of Missouri
For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

This is needed to give your LLC a separate Tax Identification Number (TIN).
For more information, see the IRS website: www.irs.gov

3. Operating Agreement

This is the governing document of your LLC. It outlines the business' financial and functional decisions including rules, structure, ownership, operations, regulations, and provisions

4. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

What items are needed to set up a Corporation?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your corporation without assistance, there are various resources available to you online.

1. Articles of Incorporation

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. Bylaws

4. Corporate Resolution

5. Evidence of Ownership (Stock Ownership or Share Certificates)

6. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

What items are needed to set up a Non-Profit?

NOTE: Confer with an attorney and/or a tax professional for registration purposes. If you choose to register your non-profit without assistance, there are various resources available to you online.

1. Articles of Incorporation of a Nonprofit Organization

For more information, see the Missouri Secretary of State website:www.sos.mo.gov

2. EIN Form

For more information, see the IRS website: www.irs.gov

3. 501c3 paperwork

Tax exempt status letter

4 Bylaws

5. Meeting Minutes

Approving moving to BluCurrent and list of individuals that will be on the account

6. Fictitious Name Filing (optional)

This item is not required, but is needed if there is a secondary name your business also goes by. For more information, see the Missouri Secretary of State website: www.sos.mo.gov.

If you have any questions and would like to speak to a member of our team click here to contact a BluCurrent Business representative.

Meet The Team

Michael Farrar Kyle Short Chris Pardoe

Michael Farrar

Senior Vice President of Business Services

(417) 851-1502 | business@blucurrent.org | | NMLS: 879796

I began working in financial services in 2001 and came to BluCurrent in 2012. I love serving our members and community with top-of-the-line business products and services to help build better businesses together

Michael Farrar Kyle Short Chris Pardoe

Kyle Short

Vice President of Business Services

(417) 851-1499 | business@blucurrent.org | | NMLS: 2464119

Kyle was born and raised in Springfield, Missouri. For a stint, he spent time living and working in the in Delaware/Pennsylvania area for a nonprofit. Kyle met his wife out east and settled back in Springfield, Mo in 2010. He has a combined 10 years of experience in the nonprofit sector. He entered the financial industry with JPMorgan Chase and transitioned to the credit union in 2010. He has been with BluCurrent ever since working as a member service representative, company trainer, and in 2018 started developing the business deposit department. He enjoys spending time with his wife and 3 kids, and enjoying everything the Ozarks have to offer. With his 15+ years of financial experience, he is ready to serve your commercial deposit and lending needs.

Michael Farrar Kyle Short Chris Pardoe

Chris Pardoe

Manager of Business Services

(417) 851-1499 | business@blucurrent.org |

Chris was born and raised in Waterloo, Iowa. He moved to the Ozarks in 2008 and has lived here ever since. He started in the banking industry with Central Bank of the Ozarks in 2015, and transitioned to BluCurrent in the middle of 2021. He has worked in several positions in his career, ranging from teller/teller supervisor, branch manager, and now currently as the Manager of Business Services. He enjoys spending time with his wife and is looking forward to welcoming his first child in May of next year. He is passionate about using his nearly 9 years of experience in this industry to help local businesses with all their commercial deposit needs.

Does my business qualify for a business account with BluCurrent?

Any business that is an LLC, Sole Proprietor, Corporation (S-Corp or C-Corp), Non-Profit, Partnership, Club, or Public Funds, and is headquartered or has a service location in one of the following Southwest Missouri counties is eligible: Christian, Greene, Howell, Jasper, Lawrence, Newton, Polk, Stone, Taney, or Webster.

What is Remote Deposit Capture?

Remote Deposit Capture for business is a convenient, secure process that allows you to deposit checks anytime, anywhere using a mobile device. Instead of visiting a branch, just snap a photo of your endorsed check through our mobile banking app and submit it for processing. It’s that easy!

What types of checks can I deposit with Remote Deposit Capture?

You can conveniently deposit most standard checks without visiting a branch. This includes personal checks, payroll checks, government-issued checks, cashier’s checks, and money orders, as long as they are payable to your business and drawn from a U.S. financial institution.

Do I need to keep the check after depositing it remotely?

Yes, after depositing a check remotely, it’s important to keep it for at least 30 days to allow time for the deposit to process.

How will I know if my mobile deposit was successful?

After submitting a mobile deposit, you’ll receive an immediate confirmation within the mobile banking app, letting you know your deposit was received. BluCurrent reviews each submission, and you'll be notified promptly if there’s an issue — like a missing endorsement.

When will my deposit be available?

Most mobile check deposits made before the daily cutoff time are processed and available by the next business day. However, larger deposits or checks requiring further verification may be subject to a brief hold. You can check your transaction history in the BluCurrent mobile app to track your deposit status. If a hold applies, you’ll be notified of when the funds will be available.

Is Remote Deposit Capture secure?

Yes, business mobile check deposit uses advanced encryption and authentication measures to protect your personal and financial information. Each deposit is processed through a secure mobile banking platform that safeguards your data against fraud and unauthorized access.

What happens if I switch phones?

If you switch phones, you can continue using Remote Deposit Capture by reinstalling the BluCurrent mobile banking app on your new device. Once downloaded, log in with your credentials and you’ll have access to all mobile banking features.

Need Help with Remote Deposit Capture?

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Grow your business's savings for future needs with a competitive interest rate. Start with a low $2,500 minimum deposit and conveniently make up to six withdrawals per month without a penalty.

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Easily grow and manage your business's cash reserve and transfer funds to your BluCurrent Checking account via online or mobile banking. It just takes $5 to get started, and there is no monthly maintenance fee.

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Remote Deposit Capture (RDC) for Business

Remote Deposit Capture (RDC) for Business

Deposit Checks Without the Commute

Deposit on Demand

How to Remote Deposit a Business Check

Starting a New Business?

Have an Existing Business?

Meet The Team

Does my business qualify for a business account with BluCurrent?

What is Remote Deposit Capture?

What types of checks can I deposit with Remote Deposit Capture?

Do I need to keep the check after depositing it remotely?

How will I know if my mobile deposit was successful?

When will my deposit be available?

Is Remote Deposit Capture secure?

What happens if I switch phones?

Need Help with Remote Deposit Capture?

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