Deposit Checks By Taking A Photo From Your iPhone

Imagine sitting in your house, taking a photo of the front and back of your check, and then instantly depositing that check into your checking account – all without ever having to physically visit a bank!

Major banks such as Chase, Bank of America and Citibank are planning to release their own iPhone App that can do just that.

According to Canoe Technology, “what’s known as remote-deposit capture, promises to save consumers time, it adds a new wrinkle to concerns about fraud and the privacy of financial data. But the banks and the technology companies helping them say they have largely overcome these concerns. And with new guidelines from federal regulators, more banks could start to feel comfortable putting the technology in consumer hands.

“Our customers are becoming more and more tech-savvy,” said Marylou Dowd, senior vice-president for Citibank’s mobile banking division. “We’re trying to support those people on the go.”

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