Remote Deposit FAQs

What is Small Business Remote Deposit?

Small Business Remote Deposit allows you to scan checks and submit your deposits to Commerce Bank. This allows you to skip the trip to the bank and make your deposit from your business or home office computer. Using a desktop scanner, the application converts the checks into images and prepares the check transactions for deposit. The check images are stored in a searchable database for your reference. Deposits are transmitted to Commerce Bank using a secure, encrypted Internet connection. Remote Deposit integrates with select accounting software (see system requirements) to improve processing of accounts receivables.

What are the minimum computer system requirements?

The table below outlines the minimum system requirements necessary to use Small Business Remote Deposit. Additionally, the user must have administrative rights on the computer. This allows the user to download the necessary software.

Operating System
Requirements
Windows XP (with Service Pack 3) Windows Vista Ultimate or Business Editions Windows 7 Ultimate or Professional Editions Windows 8
Processor Speed 500 MHz P3 processor 1 GHz 32-bit or
64-bit processor
1.6 GHz 32-bit of
64-bit processor
1.6 GHz 32-bit or 64-bit processor
Ram 256 MB of system memory 2 GB of system memory 2 GB of system memory 2 GB of system memory
Hard Disk Space 50 MB Free space 200 MB Free space 200 MB Free space 200 MB Free space
Internet Browser Internet Explorer 7.0 - 8.0 Internet Explorer 7.0 or above Internet Explorer 8.0 or above Internet Explorer 10.0 or above
USB 2.0 2.0 2.0 2.0
High Speed Internet Access DSL or better preferred DSL or better preferred DSL or better preferred DSL or better preferred

*Small Business Remote Deposit is not compatible with Mac OS X, and we do not support the use of any emulators.

Small Business Remote Deposit can integrate with any of the Accounts Receivable packages in the table below:

Accounts Receivable Compatibility Windows XP (with Service Pack 3) Windows Vista Ultimate or Business Editions Windows 7 Ultimate or Professional Editions Windows 8
QuickBooks QuickBooks 2008-2012 Professional or Premier QuickBooks 2008-2012 Professional or Premier QuickBooks 2008-2012 Professional or Premier QuickBooks 2008-2012 Professional or Premier

Does the Small Business Remote Deposit software integrate with Mac OS X??

No. Small Business Remote Deposit is not compatible with Macintosh computers.

How do I apply for Small Business Remote Deposit?

The Small Business Remote Deposit application is available by clicking Apply Today or visiting your local branch. Simply type in your information, print the application and fax it to 816-760-3986. Please make sure that each field is completed to ensure timely processing of the application.

When are my funds available if I submit a deposit via Remote Deposit?

Funds deposited through Small Business Remote Deposit before 7:00 PM, Central Time (on a business day) are available the next business day.

What do I do with a check after I scan it?

It is recommended that original checks be stored for a minimum of 60 days in a secured environment before destroying the checks. It is recommended that a shredding machine be used to destroy the checks.

What types of checks can be processed through the system?

All U.S. dollar checks drawn on banks with valid U.S. Routing and Transit numbers are accepted, including personal checks, business checks, cashier checks and money orders.

Is the information entered into or accessed through the system secure?

All data and information entered into or accessed through the Small Business Remote Deposit service is encrypted with SSL 128 bit encryption, the highest level of internet security available.

Disclosures:

  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.