About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.

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Credit Unions That Offer Smartphone Check Deposit


An increasing number of financial institutions have added remote check deposits to their mobile apps. USAA Bank was the first to offer mobile remote deposit in 2009, but I think it was Chase which made it popular thanks to a TV commercial showing newlyweds using Chase QuickDeposit. The popularity of smartphones also helps. According to Nielsen, over 50% of the nation's consumers have smartphones. So this explains the demand for mobile check deposit. This US News article reviews the trend and lists several institutions which offer this service:

In the past few years, large financial institutions like PayPal, PNC, ING, Chase, State Farm, and Bank of America, as well as credit unions and smaller regional banks, have added this capability to their mobile apps.

One issue with remote check deposits is the security risk. The article describes some of the fraud-prevention strategies that banks use. One is to reduce the amount that a customer can deposit. This may reduce the cost of fraud, but it also makes remote check deposits less useful for those who have to deposit large checks.

As mentioned in the article, remote check deposit doesn't eliminate the need to visit a branch or an ATM. Nevertheless, it can at least cut down the number of your branch visits.

If you want mobile check deposit, you don't have to limit yourself to banks like Chase or Bank of America. Many credit unions are now offering this service. I reviewed the credit unions on my big list of all-access credit unions and found several that offer mobile check deposit. I've listed these below. It's not a complete list, and I'm sure more will be adding it in the future. Also, I'm not including credit unions which only have remote deposit that's limited to PC/scanners. The ones below are those that have mobile apps that allow remote deposit.

Have you deposited checks with your smartphone? Is this an important feature for you? Or do you still prefer depositing a check at a branch?

Related Pages: checking account

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Previous Comments
  |     |   Comment #1
Your list of banks did not include USAA Federal Credit Union. They were one of the first to offer the "deposit by smartphone" option. And their App for the iPhone/iPad does a lot more - transfer money, pay bilss, etc. Another thing USAA FCU does which a lot of banks don't do is make the funds available as soon as you finish the deposit process with your phone. Some banks will hold not make the deposited funds available for several days. I have really enjoyed this feature and would miss it if it were not available.
  |     |   Comment #3


USAA is a bank, not a credit union.....
  |     |   Comment #2
One thing to keep in mind. Just because a credit union offers remote check deposit does not mean it works well.

I'll give an example. I've used Chase remote deposit for over a year and it works great. I've deposited dozens of checks and never had a problem.

Recently I opened an account at a local credit union that claimed they had a mobile app with remote deposit. Why not, I thought. Well, unlike huge banks like Chase, who have their own software development, a lot of credit unions use this third party mobile app that just gets their name and logo integrated into it. And, the remote deposit feature SUCKS. It couldn't even take pictures of the check that were legible enough to upload. I tried from every angle. I tried with lights on, lights off, even took it outside. Didn't matter. The picture always came too bright, too dim, or too blurry. Of course, when I tried to upload it anyway, the app was right on top of it and told me "sorry, this picture isn't good enough". I was literally unable to use the app for remote deposit. Back to Chase.
  |     |   Comment #4
How about using a desktop computer to do check deposit?  Does any bank provide such a service?  I have no cell phone or smart phone or mobile device; but I can scan a check and make the photo show up in my computer, which I could then e-mail or do whatever it is the smartphone does.
  |     |   Comment #7
#4, USAA does allow you to use an "old-fashioned" desktop scanner (I can't believe I called a scanner old-fashion!).


Regarding USAA...I don't know if they still do this but they used to (about 6 months ago) make you have either a credit card or loan with them to do the deposit over your phone.  When I called them to state that I don't need a loan or one of their crappy (I didn't say that on the phone) credit cards and that I had direct deposit, insurance (home & auto) with them for 15 years, they told me it did not matter, that I had to have a loan or credit card.  I simply declined.  I can use Navy FCU to deposit any checks I get (hardly anymore anyway - just older relatives send them) and then pull the money from USAA.com.
  |     |   Comment #5
Both Alliant and DCU Credit unions offer desktop computer check deposits, I've used them both.
  |     |   Comment #6
ING offers image upload
  |     |   Comment #8
I don’t know about you guys, but I have not used any checks in the last 5 years.
It is all paid and deposited via ACH, eBill and e-mortgage.
Only thing I do, is just check my balances from time to time.
Nobody has given me a check for long time and I don’t have any too.
  |     |   Comment #9
USAA is a Credit Union.  They call themselves a Bank but they are in fact governed by the National Credit Union Administration (NCUA). 
  |     |   Comment #10
Virginia Credit Union in Richmond, Va has a great Mobile Deposit app. It's so easy to use, and it's free.
  |     |   Comment #11
USAA is not governed by NCUA--only credit unions are regulated and insured by NCUA. USAA is a bank that is regulated and insured by FDIC.
  |     |   Comment #13
Maybe there is some misunderstanding here.  There once was a USA Credit Union, but is now currently part of Navy Federal Credit Union.  USAA though is definitly a bank.
  |     |   Comment #14
USAA is an FSB as someone has already pointed out. USA FCU, which had branches in Japan/Korea was merged into Navy FCU.

Now getting back to topic, Service Credit Union offers remote deposit via iPhone, Android phones and desktop scanner. We do not offer deposit via iPad or tablet at this time (it's a materially different app than the iPhone version - it is not a universal app). Our vendor tells us it's not that often requested for tablets and of course some only have front facing cameras, etc.

We process mobile deposits in accordance with our regular funds availability policy on checks. There is no additional charge and no other "requirement" to use mobile deposit. You do need to sign up, however.

Chris G.
  |     |   Comment #15
Hi Ken,

My company has built and published a single app which allows members of over 300 credit unions to make mobile deposits (as well as perform other functions like transfers and balance inquirires). The deposit function is currently only available for Apple, so check out Sprig in the Apple App Store.  If you're an Android user, the app does not yet have deposit capture.

The Sprig service is offered through the Shared Branch Network (something many credit union members will be familiar with) and it has a lot of really cool capabilities.

You can see more about it at getsprig(dot)com
  |     |   Comment #16
Great article. Thanks for posting. Logix FCU offers this service, too. https://www.logixbanking.com/banking/account-management/mobile-app/edeposit-mobile-faq
  |     |   Comment #17
Rivermark (CU) does this too.

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