All of the following statements about remote deposit capture $($RDC$)$ are true EXCEPT:

Group of answer choices

RDC allows large retailers with many locations to send all deposited checks to a centralized account.

If a bank cannot accept images of checks, it can create an image replacement document $($IRD$)$ that is still legally a check.

RDC is also used in Canada and Mexico for checks drawn on U$.$S$.$ banks.

RDC technology allows companies the option of converting checks to an ACH debt instead of an image exchange item.