Abstract: A system and method of handling remote check presentment (RCP) of a check may include receiving, from a computing device of a user, RCP data at a computing device, such as a computer server. A determination, by the computing system, of a risk factor associated with the RCP data may be made. In response to determining the risk factor associated with the RCP data, a determination, by the computing system, as to how to make cash available to the user prior to passing the check for clearance through a traditional check clearing process may be performed. The cash may be made available as determined to the user prior to passing the check for clearance through the traditional check clearing process.