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The Convenience of Mobile Check Deposit

 A new wave of banking

By now, you’ve probably heard of the phenomenon of mobile banking, if you don’t already use it on a daily basis. While it has only been around a number of years, 12 million people were utilizing mobile banking services in 2009 and had a projected reach of 45 million by 2014. And why not? With our banking information and services right at our fingertips, mobile banking allows us to manage our finances on the go, no matter where you are or time of day, and that kind of convenience is admirable to many.

"The biggest benefit is that you have more control of your money," says James Van Dyke, president of Javelin Strategy & Research in Pleasanton, California. "You don't have Internet connections everywhere you go. But you do have a mobile connection.”

More than 75 million U.S. consumers use their smartphones for mobile banking.

Just some of the benefits of this convenient system include being able to check account balances at any time anywhere, using automatic bill pay, money transfers, e-mail and text alerts, and one of the most newly popular and convenient, mobile check deposit. 

Mobile check deposits are most useful on those super hectic days by allowing people to deposit checks via their smartphone or tablet, right to their bank account, pending their financial institution offers the service or provides an app.

The process is simple — use your mobile camera to take a picture of the front and back of your check. The check image is captured and, with a few clicks, you can deposit it automatically (and safely) into your account. No trips to the bank, no waiting in line -mobile check deposit even eliminates the once-simple ATM deposit (in which driving a car up to the machine was still necessary).

“This is a great leap forward for mobile channel customers," says Brian Pearce, a senior vice president with a large financial institution. "It's one of those 'wow' moments when people realize they can make deposits without leaving the house."

One tip when using mobile check deposit: Keep the paper check handy for about two weeks after you deposit it via mobile check deposit. Once the money is successfully transferred, you can dispose of the check or write “mobile deposit” across it to avoid any confusion.

Interested in using mobile check deposit? We can help you answer any questions you may have. Give us a call or stop by today so that you, too, can deposit checks the handy way.

Includes copyrighted material of IMakeNews, Inc. and its suppliers. All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.