Discover Bank recently added check deposit to its mobile banking. Discover Savings and money market account customers can now use their smartphone to deposit checks. Refer to Discover Bank's mobile bank page to download the iPhone or Android app. One detail that I wasn't able to find on Discover's website was the maximum amount that can be deposited. I had to call to find this out. I was told the maximum is $5,000 per day and a maximum of $25,000 in a rolling 30-day period.
Discover Bank also added bill pay to its mobile banking. This will become more useful when Discover Bank's checking account is released. As I mentioned in January, Discover Bank is preparing to launch a new checking account. According to the CSR this morning, this is still in the testing phase. Current customers will be the first ones to be able to sign up for it.
With a checking account and mobile banking, Discover Bank should compete well against both Ally Bank and Capital One 360 (formerly ING DIRECT). Hopefully, the competition will help encourage more bank deals.
Many internet banks have been behind in offering mobile check deposit. Both Ally Bank and Capital One 360 just released their mobile check deposit service last year (April at Capital One 360 and November at Ally). Large banks like Chase have been ahead of them. That's probably one advantage of being a megabank with lots of resources.