At one time, fraud involving mobile Remote Deposit Captured checks (RDC) was an easy scam for those looking to take advantage of a system loophole within the new technology. In short, they used the system's initial design limitations and gaps in the framework to double-dip on the same check. After using RDC to add money electronically to their account, the scam-artist would then also walk into a branch - or any money cashing location - and get actual cash for the same check. They took advantage of the small window of time when the bank or credit union's system had yet to catch up electronically to record the transaction containing the check's initial deposit. As simple as it sounds to outsmart the system, ultimately many of these 'ingenious' scammers got caught, as they often used their own account to deposit the money. Brilliant!? Not so much.
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