Deposit checks with your iPhone

Are you ready to deposit checks with your iPhone? A mid-sized bank, USAA, has released the first iPhone app that can scan and deposit checks. In the demo below you can see how you simply snap a shot of the check and hit the send button.

The original post from Matt Marshall on DigitalBeat wrote:

The feature requires a customer to photograph both sides of the check with the phone’s camera. All you’ll need is a cellular connection to send the image.

Once you send the images, you no longer need the paper check — you can simply discard it. USAA’s system takes over. The company has been developing a mobile strategy for some time: Three years ago, the bank introduced the option of depositing a check from home using a scanner. USAA plans to offer the feature on other phones later this year, according to the Times.

ZDNet’s Matthew Miller was also kind enough to remind his readers that our Clarifi case will be the perfect accessory for folks trying to snap a clear shot of their checks.

This updated iPhone application should be a faster and simpler solution than having to scan in the check’s front and back though and I look forward to trying it out.

The iPhone and iPhone 3G do not take very good close up photos so I wonder if an iPhone 3GS is required to use this service. You could also use a Clarifi case from Griffin Technology that I have used before with Evernote to take better close up photos.

What about you? If your bank makes this available will you deposit checks using your iPhone?

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  • Anonymous

    Don’t toss checks after emailing the images, at least not until you’ve received verification of the deposit! I’ve submitted flatbed-scanned images (color, grayscale, various dpi) and had them rejected…

  • jpkang

    Yes, but I wouldn't toss that check until receiving verification of deposit! I've tried the scanning with a flatbed and emailing, and had the scans rejected numerous times.

  • http://www.griffintechnology.com Dave Delaney

    I would hold on to the check too, just in case.

    Thanks

  • safowl

    The service gives you the confirmation on screen after you have scanned both sides of the check and submitted it. I have tested it and can say that not only do I get the confirmation on the screen, I also instantaneously get the confirmation email that I set up with the service. I am duly impressed with this service! I have an iPhone 3G and was very pleased with the results.

  • http://www.griffintechnology.com Dave Delaney

    Very cool. I haven't tried it myself, but I keep hearing good things about
    it.
    Thanks for the comment.

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  • http://www.griffintechnology.com/connect Dave Delaney

    Hello!

    Hi!

    I just made a loan to someone in Bolivia using a revolutionary new website called Kiva (http://www.kiva.org).

    You can go to Kiva's website and lend to someone across the globe who needs a loan for their business – like raising goats, selling vegetables at market or making bricks. Each loan has a picture of the entrepreneur, a description of their business and how they plan to use the loan so you know exactly how your money is being spent – and you get updates letting you know how the entrepreneur is going.

    The best part is, when the entrepreneur pays back their loan you get your money back – and Kiva's loans are managed by microfinance institutions on the ground who have a lot of experience doing this, so you can trust that your money is being handled responsibly.

    I just made a loan to an entrepreneur named 28 De Julio Group in Bolivia. They still need another $1,900.00 to complete their loan request of $4,950.00 (you can loan as little as $25.00!). Help me get this entrepreneur off the ground by clicking on the link below to make a loan to 28 De Julio Group too:

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    It's finally easy to actually do something about poverty – using Kiva I know exactly who my money is loaned to and what they're using it for. And most of all, I know that I'm helping them build a
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    ———————————————————
    What others are saying about http://www.Kiva.org:

    'Revolutionising how donors and lenders in the US are connecting with small entrepreneurs in developing countries.'
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    'If you've got 25 bucks, a PC and a PayPal account, you've now got the wherewithal to be an international financier.'
    – CNN Money

    'Smaller investors can make loans of as little as $25 to specific individual entrepreneurs through a service launched last fall by Kiva.org.'
    – The Wall Street Journal

    'An inexpensive feel-good investment opportunity…All loaned funds go directly to the applicants, and most loans are repaid in full.'
    – Entrepreneur Magazine
    Check it out!
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