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Disclaimer: ING direct was acquired by Capital One 360.

Mobile Check Deposit Experiences

Written by Nickel - 10 Comments

Mobile Check Deposit Experiences

This is just a quick followup to my recent post about Bank of America’s mobile check deposit service. As I noted in that post, I deposited checks to both Bank of America and ING Direct on Sunday evening.

As they always do, I received an e-mail confirming receipt of the deposit by ING Direct almost immediately. And the very next morning, I had e-mail confirmation that the deposits had been processed along with instructions to go ahead and shred the checks.

As for Bank of America… Nothing. No e-mail confirmation, no permission to shred. Just the original directive to hang onto the checks for 14 days just in case something goes wrong. That said, they did process the deposit the next day, just the same as ING Direct.

So, based on a sample size of one check (for Bank of America; I’ve done lots more with ING Direct) it looks like one service is just as fast and effective as the other. Regardless, I’ll still lean toward ING Direct when I have a paper check that needs to be deposited. That quick confirmation and ability to dispose of the check quickly is just too good to pass up.

What about you? How have your remote deposit experiences been thus far? I’ve heard numerous complaints about rejected check images, etc. (at one bank or another) but I’ve never had a problem. Not even with hand-written checks.

Published on August 21st, 2012
Modified on September 4th, 2012 - 10 Comments
Filed under: Banking

About the author: is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

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10 Responses to “Mobile Check Deposit Experiences”

  1. 1
    Janice Says:

    I’ve tried twice to deposit with ING Direct and the image was rejected both times. I’ve moved my checking and bill pay over to USAA, and I’m extremely happy with them. While they do not offer mobile check deposit to me (I’m not military), I take advantage of their UPS deposit. My local UPS store scans the check for me and the money is deposited immediately. This works out fine for me with regard to the occasional check I receive.

  2. 2
    Wayne Says:

    I have only ever used Paypal to deposit remote checks. Worked fine most of the time. Last time I needed to, they had an outage for that service. Now I don’t remember if I ever went back and deposited that check.

  3. 3
    Eric Says:

    I use Charles Schwab, and I have never had a problem. Always get an email within 12 hours (once within 5 minutes) that the check has been processed. One had to re-picture a couple of times due to a bad image.

  4. 4
    Tamara Says:

    I’ve been depositing checks online with Alliant Credit Union for a while using my scanner and their web site. It’s worked pretty well. The only real “trouble” I’ve had was depositing checks from my wedding because I didn’t know that I could only deposit checks made out only to me, even if my husband had endorsed them as well, but that wasn’t a technical problem. Their policies make a certain amount available immediately, and then the rest after it clears. Their online interface makes it clear that the check was accepted, but there isn’t a follow-up email that the deposit went through. I did get notified when they didn’t accept the wedding checks.

    Just recently I tried their iPhone mobile deposit app, and it went smoothly as well. Almost surprisingly so given it was a cell phone picture. I got an email notification after submitting it.

  5. 5
    Andrew Wang Says:

    I’ve used two different mobile deposits so far: Chase and Citibank. Chase’s mobile deposit works like a charm. I also get an e-mail immediately and the money usually hits my account within one business day.

    As for Citi, they have too many restrictions – 1K max check size. You need to enter in your debt card number and your pin/mother’s maiden name etc.. I will be using BOA soon, so good to know that it seems to be working fine.


  6. 6
    Carl Feldhaus Says:

    Luv USAA, I know its not open to everyone but they are amazing at this. Since I started using them I have only been in a bank maybe once in 3yrs. Glad to see other banks following suit.

  7. 7
    Tim Says:

    I’ll second Charles Schwab. App has always worked great for me. Once or twice it told me to take the photo again but I always got an email confirmation of the deposit and then a follow up later when it processed.

  8. 8
    Lulu Says:

    I have used Chase and ING to deposit…and I am thrilled that ING finally has the remote deposit since that is my main bank. I have never had a problem with rejected checks. Just take your time to focus the image and it should be accepted.

  9. 9
    MITBeta Says:

    I’ve been depositing checks via scanner with EverBank for the past couple of years now. Recently they introduced an app for Android phones. I kept getting asked to retake the photo — it never worked. I went back and forth with customer service for a while until they admitted that their app doesn’t work correctly with Ice Cream Sandwich (4.0) and Jelly Bean (4.1) Android OSs. They promised a fix in the future. I followed up, recently, with another email and they promised an update before the end of August. They sent me a hat for my trouble ]:|

    I recently tried the ING App (on the Jelly Bean OS…) and it worked fine. My only complaint is that it’s limited to $3k per check. I get paid monthly and my paycheck is bigger than this, so it doesn’t work in practice for me.

  10. 10
    Tony Says:

    Bank of america’s windows app locks up all the time when taking the images. Oher than that, its just wonderful and I love remote deposit from my phone.

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