4 ms·

Very nice UI... any chance we'll see (i) a remote deposit mobile app without deposit limits and (ii) integration with Google Wallet?

bergie 15y ago
I don't think a bank should ever have a mobile app instead of a nicely done web interface. Would you really want to use a bank that only works on iPhone? There have been countless situations where I've had to make transactions in an internet cafe or using a friend's computer.
- jordanlev 15y ago
  Sounds like you've never experienced the joys of depositing checks by taking pictures of them on your phone. I do this now with my current bank and it's awesome. (And I don't think anyone is suggesting that the website is replaced with an app, but rather that the app would supplement the website).
  - bergie 15y ago
    You know, the only times in my life I've even seen a check have been when dealing with some US company (which is rarely). I have to admit being greatly amused with the combination of really old and really new that you have in using mobile apps to handle checks.
    - Roedou 15y ago
      A Brit here, who has recently established a (B2B) company in the US. The check thing really surprised me too. The USA still loves checks: we receive them for most of the work we do, and make a lot of our payments that way. From a personal perspective, I rarely use checks, except (and this blew my mind) I can set up a regular payment through my bank's website to a recipient. If the recipient's bank is on a similar system, the transactions are made digitally. If not, then they automatically mail a check each month. Transparent to me, but seriously.
  - jarek 15y ago
    Sounds like you've never experienced the joys of free, instant wire transfers. Taking pictures of cheques? Are you going to telegraph them after?
    - jonknee 15y ago
      Free wire transfers are great, but what does that do for you when you have a check in your hand? How about both?
      - jarek 15y ago
        Why would you have a cheque in your hand if you and everyone else have the option of using wires?
        jonknee 15y ago
        A) not everyone does yet B) with a check you don't have to get any information from who you're paying other than the name.
  - jimbokun 15y ago
    I'm sure I'm going to feel really dumb after getting the answer to this, but what prevents someone from sending a picture of the same check to deposit in multiple banks through their respective phone apps?
    - stickfigure 15y ago
      Probably the same thing that prevents you from making up fake checks: 1) It will eventually get reconciled through the clearinghouse and the extra funds reverted. 2) The lawman will come for you.
    - joelhaus 15y ago
      The biggest deterrent is probably the criminal check fraud charge you would face. Most banks also have additional counter-measures in place to detect this type of fraud too, but you are right, it is a concern: http://www.americanbanker.com/btn/22_3/-374033-1.html http://www.americanbanker.com/btn/22_3/-374033-1.html
  - pingswept 15y ago
    If you don't mind me asking, what is your bank? Is their non-mobile website decent?
- throwaway6326 15y ago
  I use USAA which has a web interface, a mobile web interface, an iPhone app and an Android app. It's fantastic to be able to deposit checks by taking a picture of both sides instead of driving someplace, or throwing something in the mail.
  - sanswork 15y ago
    If you're going to spam the thread with USAA recommendations you could at least avoid using a throwaway account and do it openly so that we can see your motivations.
  - pingswept 15y ago
    Assuming you aren't just spamming on behalf of USAA, or even if you are: can any USAA customer deposit checks by taking a picture of both sides? I thought that was only if you had some sort of connection to the US military, no?
    - PotatoEngineer 15y ago
      Yes, you can deposit checks by taking pictures. (I'm not the throwaway account above, but I do have a USAA account through my father-in-law, who's retired Navy. And yes, you need a US military connection to get an account there.) Personally, I deposit checks via my scanner, but that's just because I don't have a smartphone. But I don't vastly care, because I deposit a check about... once every three months? (The flip side of USAA is that they have no branches, if you ever need to talk to a human in person. Phone support, yes, in spades; branches, no.)
      - pingswept 15y ago
        I have no military connection, but I have a USAA account. My understanding is that the check-deposit-via-photo feature is only available to customers with US military connections, but I'm looking for confirmation of that. (The USAA website is vague about the details.)
    - tentonwire 15y ago
Q6T46nT668w6i3m 15y ago
We're currently working on remote capture, more details are forthcoming.

bergie 15y ago

I don't think a bank should ever have a mobile app instead of a nicely done web interface. Would you really want to use a bank that only works on iPhone? There have been countless situations where I've had to make transactions in an internet cafe or using a friend's computer.

jordanlev 15y ago
Sounds like you've never experienced the joys of depositing checks by taking pictures of them on your phone. I do this now with my current bank and it's awesome. (And I don't think anyone is suggesting that the website is replaced with an app, but rather that the app would supplement the website).
- bergie 15y ago
  You know, the only times in my life I've even seen a check have been when dealing with some US company (which is rarely). I have to admit being greatly amused with the combination of really old and really new that you have in using mobile apps to handle checks.
  - Roedou 15y ago
    A Brit here, who has recently established a (B2B) company in the US. The check thing really surprised me too. The USA still loves checks: we receive them for most of the work we do, and make a lot of our payments that way. From a personal perspective, I rarely use checks, except (and this blew my mind) I can set up a regular payment through my bank's website to a recipient. If the recipient's bank is on a similar system, the transactions are made digitally. If not, then they automatically mail a check each month. Transparent to me, but seriously.
- jarek 15y ago
  Sounds like you've never experienced the joys of free, instant wire transfers. Taking pictures of cheques? Are you going to telegraph them after?
  - jonknee 15y ago
    Free wire transfers are great, but what does that do for you when you have a check in your hand? How about both?
    - jarek 15y ago
      Why would you have a cheque in your hand if you and everyone else have the option of using wires?
      - jonknee 15y ago
        A) not everyone does yet B) with a check you don't have to get any information from who you're paying other than the name.
- jimbokun 15y ago
  I'm sure I'm going to feel really dumb after getting the answer to this, but what prevents someone from sending a picture of the same check to deposit in multiple banks through their respective phone apps?
  - stickfigure 15y ago
    Probably the same thing that prevents you from making up fake checks: 1) It will eventually get reconciled through the clearinghouse and the extra funds reverted. 2) The lawman will come for you.
  - joelhaus 15y ago
    The biggest deterrent is probably the criminal check fraud charge you would face. Most banks also have additional counter-measures in place to detect this type of fraud too, but you are right, it is a concern: http://www.americanbanker.com/btn/22_3/-374033-1.html http://www.americanbanker.com/btn/22_3/-374033-1.html
- pingswept 15y ago
  If you don't mind me asking, what is your bank? Is their non-mobile website decent?
throwaway6326 15y ago
I use USAA which has a web interface, a mobile web interface, an iPhone app and an Android app. It's fantastic to be able to deposit checks by taking a picture of both sides instead of driving someplace, or throwing something in the mail.
- sanswork 15y ago
  If you're going to spam the thread with USAA recommendations you could at least avoid using a throwaway account and do it openly so that we can see your motivations.
- pingswept 15y ago
  Assuming you aren't just spamming on behalf of USAA, or even if you are: can any USAA customer deposit checks by taking a picture of both sides? I thought that was only if you had some sort of connection to the US military, no?
  - PotatoEngineer 15y ago
    Yes, you can deposit checks by taking pictures. (I'm not the throwaway account above, but I do have a USAA account through my father-in-law, who's retired Navy. And yes, you need a US military connection to get an account there.) Personally, I deposit checks via my scanner, but that's just because I don't have a smartphone. But I don't vastly care, because I deposit a check about... once every three months? (The flip side of USAA is that they have no branches, if you ever need to talk to a human in person. Phone support, yes, in spades; branches, no.)
    - pingswept 15y ago
      I have no military connection, but I have a USAA account. My understanding is that the check-deposit-via-photo feature is only available to customers with US military connections, but I'm looking for confirmation of that. (The USAA website is vague about the details.)
  - tentonwire 15y ago

Q6T46nT668w6i3m 15y ago

We're currently working on remote capture, more details are forthcoming.