Check, Please!

Remote-deposit capture is an efficient way to handle Sunday offerings.

The buzz surrounding electronic giving options continues to grow as online donation capabilities improve and text-messaging campaigns take hold. The American Red Cross, for instance, says it raised $35 million within 48 hours of the January earthquake in Haiti, with half arriving via its website and $5 million through texts.

But a lesser-known technology called remote-deposit capture may provide significant benefits to churches as they sift through the large number of checks still given weekly. A February survey of 750 Christian households by Maximum Generosity, Church Finance Today, and Leadership shows 90 percent still primarily use checks for their weekly offering.

Remote-deposit capture first gained acceptance among retailers wanting to speed the clearing of checks. In recent years, banks like Christian Community Credit Union, Bank of the West, and Evangelical Christian Credit Union began offering it to churches.

The service involves a device at the church, provided by the bank, to scan ...

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