Which Banks Let You Upload Checks To Deposit?

Which Banks Let You Upload Checks To Deposit?

I’m as patriotic of a Canadian as there is, but there are some areas that my friends south of the border have us beat. Remote Check Deposit (or “cheque” as we call it) is one of them.

Some banks in the United States allow consumers to scan their checks in using their desktop scanner or even their mobile phone (iPhone or Android) and upload it to the bank for deposit.

If that sounds good to you, there is a wiki that has a pretty comprehensive list of financial institutions that allow you to scan and upload your checks.

Remote Checks

Do you see something missing from the list? It’s a wiki, so go ahead and edit it.

If you use your scanner or phone to upload checks, make me jealous and leave a note in the comments to let us know how well it works.

Also if you’re in another country and your banks let you upload checks/cheques, let us know that too.

(via Paperless Mac)

About the Author

Brooks Duncan helps individuals and small businesses go paperless. He's been an accountant, a software developer, a manager in a very large corporation, and has run DocumentSnap since 2008. You can find Brooks on Twitter at @documentsnap or @brooksduncan. Thanks for stopping by.

Leave a Reply 5 comments

DocumentSnap Time Machine | Tips To Learn How To Go Paperless | DocumentSnap Paperless Blog - September 30, 2012 Reply

[…] Which Banks Let You Upload Checks To Deposit? I still wish you could do this in Canada (grumble, grumble). […]

paperlessmac - September 23, 2010 Reply

Hey, thanks for the link. As always, love the site.

    Brooks Duncan
    Brooks Duncan - October 27, 2010 Reply

    No problem and nice work uncovering the wiki!

HomelessOnWheels - September 23, 2010 Reply

it seems to be mostly smaller institutions doing this. Interestingly, several who do not offer the self-scan option do have scanners built into their ATMs, allowing deposit-slip-free deposits of checks and cash at their ATMs. Also, I noticed at least one institution on the wiki only allows self-scanning via their own closed application which interfaces directly with your scanner, and several require that you be an accountholder "in good standing" for some minimum time before allowing self-scanning. Also, the option has been available longer for business customers, or, at some institutions, only for business accounts; not personal.

I think the real issue is financial institutions' unwillingness to trust the average consumer, even though we trust them with virtually all of our idle funds (like we really have a choice?). Sure, the possibility for fraud and forgery exists, but I don't think it would be that much more prevalent with self-scanning of deposits.

I for one would welcome the ability. I live in a rural area, and receiving checks is such a nuisance that I have actually used PayPal to let a neighbor pay me rather than taking a check. FOr me to deposit a check, I either have to drive 30 miles into town to a bank branch or ATM, else I have to fill out a deposit slip, stuff it and the check in an envelope, address and stamp the envelope, take it a half-mile to the post office, and then wait several days for the bank to receive and process it. Expense and inconvenience all because they are unwilling to trust me sending them a picture of the check.

I'm surprised more banks don't take the risk and try it; imagine all the labor (=money) they could save by not having to open all those envelopes and process all those deposits once they adopt a self-scan remote deposit system.

    Brooks Duncan
    Brooks Duncan - September 23, 2010 Reply

    Good point about the trust factor. I hadn't thought about people in rural locations, but you're right- checks must be a massive inconvenience. Thanks for the comment!

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