I did a lot of work on remote deposit when Check 21 came out (the legislation that paved the way for images of checks to be used in place of the paper monetary instrument).
It's crazy what occasionally got passed through. I remember a VP complaining about a failed deposit - the cheque image was a completely unintelligible scrawl of blocky black pixels - like white noise on an old TV. I explained why it got flagged by the software and that it wasn't eligible for deposit. They didn't care - uploaded it to the bank who happily cleared it for them with funds available instantly.
It's all about how big a customer you are, you're perceived risk profile and your relationship with the bank.
It's crazy what occasionally got passed through. I remember a VP complaining about a failed deposit - the cheque image was a completely unintelligible scrawl of blocky black pixels - like white noise on an old TV. I explained why it got flagged by the software and that it wasn't eligible for deposit. They didn't care - uploaded it to the bank who happily cleared it for them with funds available instantly.
It's all about how big a customer you are, you're perceived risk profile and your relationship with the bank.