What must companies retain as part of the RDC process?

The correct answer refers specifically to the requirement to retain original check documents as part of the Remote Deposit Capture (RDC) process. This is essential for several reasons, such as ensuring compliance with banking regulations and providing a verifiable record of the transaction. Keeping the original checks allows for the possibility of addressing any disputes, verifying authenticity, and managing potential fraud claims that may arise after a deposit is made.

While electronic copies of checks (the first choice) and proof of deposit slips (the fourth choice) may be useful for record-keeping and tracking, they do not fulfill the regulatory requirements for holding onto the original checks. Digital signatures of account holders (the third choice) may serve as a safeguard in certain transactions, but they too do not replace the need for physical documentation. Thus, retaining original check documents is crucial to fulfill both legal obligations and operational best practices in the RDC process.