I Just Deposited a Check with my iPhone!

I’ve been using USAA Deposit@Home for a few years now. Today, I tried Deposit@Mobile for the first time. I hit a few bumps (think I was too excited to use it to think clearly…or I’m more technically inept than I thought) but it went relatively smoothly. Here’s how it works.

 
 

WV United FCU ("Financial service with an attitude"...presumably a happy one?) was officially the first FI to launch RDC for the iPhone. Not being a member, I had to wait for USAA which went live this week.

I’ve been using USAA Deposit@Home for a few years now. Today, I tried Deposit@Mobile for the first time. I hit a few bumps (think I was too excited to use it to think clearly…or I’m more technically inept than I thought) but it went relatively smoothly. Here’s how it works.

Home Screen Open the USAA iPhone App and select Deposit@Mobile. Log-in with your home banking credentials.
   
Account Info Step 1. Enter the amount and pick your account. (I just left it on the default—savings—rather than selecting “Checking”. Oops #1).
   
 Front of Check Step 2. This was my first (real) bump in the road—to take the picture you are supposed to click on the Next button and then the App opens the camera feature. That wasn’t clear to me, so I opened the camera app myself to take the picture. Oops #2. Had to go back to square one.
   
 Back of Check

Step 3. Here’s a nice touch that I totally missed: They merge your actual account number onto the instructions image (at left). I, not using this account that often, missed that entirely and fumbled around for a minute trying to remember my account number to write on the check (Oops #3).

   
 Verify  Finally, they have you verify that the edges of the check are visible…
   
 Processing  …tell you to wait while it’s processing …
   
 Confirmation

…and then provide a confirmation number. Nice and easy. You can immediately go to your account information and check to see that it was deposited.

 

 

 

Aug. 13, 2009


Comments

 
 
 
  • Alix, Thanks for the step by step. Great info. iphone service is a key to young more tech savvy and higher earning members. Demographis support this a a great market.
    Paul Stull
     
     
     
  • Full of salient points. Don't stop bileevnig or writing!
    Bobs
     
     
     
  • Alix,

    What do you do with the check after depositing via Deposit@Mobile?

    Thanks
    CD