RDC is one of the fastest growing trends in banking technology, as it allows customers the convenience of depositing money from any location with a scanner, computer and Internet connection, and makes those deposited funds available earlier. For banks, the RDC process circumvents the costly use of paper, and allows check processing to be completed more quickly.

However, RDC presents some particular security challenges. If an unencrypted Internet connection is used to transmit check images, for example, customers' account information could be sniffed and stolen. Another possibility is duplicate check presentment, in which physical checks that have already been scanned and deposited are stolen and re-cashed at a check cashing store. Thus, the privilege of RDC is often extended or denied based on credit worthiness.