The downstream migration of popular remote deposit capture (RDC) services to small corporate clients and even retail consumers continues to have an impact on pricing. Jack Henry & Associates last week unveiled a new equipment-leasing program that will take away the upfront capital and ongoing maintenance costs to banks.

The new leasing option will ultimately cost merchant end-users only $15 a month, allowing them to deposit checks over the Web by scanning and truncating them through special back-office scanners. These scanners have gone down in price, but several banks had expressed continued reluctance to get into the hardware business, according to David Foss, GM of Jack Henry’s ProfitStars division.

Banks adopting RDC have uncovered some unwelcome Easter eggs in the service, including hardware/firmware upkeep, technical support, inventory control, and collecting taxes on equipment sales.

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