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Remote Check Deposit

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Depositing checks in the US can be accomplished online, without driving to the bank or mailing checks. Users can scan checks with an ordinary conventional scanner, resulting in a subtitute check[1] which can then be uploaded for deposit through a banks web service.

Previously, a special MICR[2] scanner was needed.

There are many more banks that offer remote check deposit to businesses with a MICR scanner, probably too many to be useful to list here.


Comparison of banks and credit unions offering remote deposit to individual consumers
bank or credit union scans accepted from eligibility rating HQ location notes and other features
consumer desktop scannersandroid phonesiphones
Addison Avenue CU: eDeposit Yes (plus simple uploads[3]are possible) No No AACU will not disclose eligibility criteria, but they state that members 18 and older with an account in good standing for 90 days are likely to qualify 2 stars CA 0% FX fee
America First CU: Online Banking Yes No No UT
Alliant CU: eDepositPlus Yes (plus simple uploads[4] are possible) No No must be a customer in good standing for 6 months prior 4 stars IL no min deposit required to open an account
Boeing Employees CU (BECU): online deposits Yes No No 3 stars WA p2p payments by email or mobile number
Chase: QuickDeposit No Yes Yes(req. iOS 3.1 or later) 2 stars DE Snail mail checks also accepted. 3% FX fee
Citizens Bank (Oregon): Remote Capture Yes, but...there are technical limitations[5] No No 4 stars OR Note that there are many banks with the name Citizens Bank. This bank is in Oregon and should not be confused with the larger child company of RBS
Digital FCU (DCU): pc deposit Yes Yes Yes 2 stars MA 2% FX fee; inbound intl wires cost no more than what the intermediate bank charges (see fees)
Everbank: online check deposit Yes, but... there are technical limitations[6] No No any customer qualifies immediately 4 stars FL 1% FX fee; ATM fee reimbursements and free bill-pay service on accounts worth over $5k; online check deposit service is free, but requires a separate application; inbound intl wires cost no more than what the intermediate bank charges; Impossible to send or receive email (encrypted or not) to Everbank, and web customer service messaging does not support attachments
FirstCommand: deposits on demand Yes No No must be a customer in good standing for 6 months prior
First Internet Bank of Indiana: iScan deposits Yes No No 3 stars 3% FX fee; inbound intl wires cost no more than what the intermediate bank charges (see fees)
The Golden 1 CU: Z@pit online Yes No No must have a checking account in good standing for 1yr prior 1% FX fee
Hanscom FCU: EasyDeposit Yes, but... there are possible technical limitations[7] No No 4 stars MA
Meadows CU: expressteller Yes No No
Mercantile Bank Yes No No MI Windows only
NASA FCU: remote deposit Yes No No 3 stars MD 1% FX fee
Penfed CU: online deposit anywhere Yes No No must be a member for 6 months first
Pennsylvania State Employees CU (PSECU): online deposit No No No 4 stars PA Immediate deposit using online form without supplying an image, but physical check must be snail mailed. (see talk page)
Randolph Brooks FCU: eDeposit Yes No No 4 stars TX
Service CU: WebDeposit24 Yes, but... there are possible technical limitations[8] No No must be a member in good standing for 90 days 4 stars NH euro bill payments possible; unlimited global ATM reimbursement
Sharon CU: VIP deposit Yes No No 4 stars MA
Star One CU: ezDeposit Yes (plus simple uploads[9] are possible) No No must be a member in good standing for 3 months 4 stars CA
State Farm Bank: mobile check deposit No Yes Yes
Summit Bank: remote banking Yes No No $2500 min deposit to open an account
Texas Security: secure xpress deposit Yes No No
Torrance Community CU: CU@Home Deposit Yes No No must be a member in good standing for 12 months 3 stars CA
USAA: deposit @home Yes Yes Yes check website for membership requirements-- must be full member to use deposit@home and deposit@mobile 4stars TX free snail mail pre-paid deposit envelopes; 1% FX fee; atm reiumbursement up to $15/month
Vystar CU: remote deposit Yes No No 3 stars FL no HTML documentation available
WV United FCU: eDeposit No No Yes 4 stars WV
  1. More information on substitute checks here
  2. More information on MICR scanners here
  3. it is possible to upload images of checks that you capture prior to login (format must be jpg, mono or grayscale, 200 dpi)
  4. it is possible to upload jpg images of checks that you capture prior to login
  5. Only works with Windows platforms, according to requirements.
  6. It is not possible to upload image files of scans made outside of everbanks controlled environment. Clients must install special software that communicates directly with flatbed hardware that is twain compatible.
  7. Requirements specify Windows or Mac computers only, and scanners must by twain compliant. Windows users are forced to install the ActiveX direct scanner controller called EZTwainX by Dosadi. Mac users are forced to install a java direct scanner controller called rdcjava by Member-Data. This strongly suggests that it is not possible to upload image files of scans made outside prior to login.
  8. Requirements specify Windows or Mac computers only, and scanners must by twain compliant. This strongly suggests that it is not possible to upload image files of scans made outside prior to login.
  9. it is possible to upload images of checks that you capture prior to login

Remote deposit via snail mailEdit

Some banks offer remote deposit the old-fashioned way, by sending endorsed checks in the mail. There are probably too many to justify a full table, but some are listed here: Alliant CU eDeposit, Bank of America, Chase, Capital One, Citibank, ING Direct, PNC, Pennsylvania State Employees CU (PSECU), SunTrust, Wachovia, Washington Mutual and Wells Fargo

RumorsEdit

Editors - there are some banks rumored to have remote deposit, but there is no indication on the website. Please chase up the following Unconfirmed and undocumented remote deposit banks and either add them to the table or delete them from this list:

Some banks are planning to add remote deposit:

  • Ally bank intends to add remote deposit by Q1 2011
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