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