1. A method of operating a remote check image capture device, the method comprising: capturing a color image of a check provided by a user at the remote check image capture device; storing the color image of the check; deriving from the color image a non-color image of the check; transmitting to an institution the non-color image of the check; and receiving from the institution a request to retrieve the color image of the check in response to the institution determining that the non-color image of the check is unusable.