![]() The app instructed me to keep the checks for 14 days - in case they were needed for verification - and then destroy So I guess the first personal check was just a dud, and I’llĪt any rate, I successfully deposited three of four checks from the comfort of my home. Indeed, I was able to depositĪ second, hand-written personal check later in the day, after tapping on the phone’s screen before snapping the image, as the Apple rep suggested. (This problem of stockpiling paper checks, for a rare visit to a branch, is one reason I was eager to try the app.) That one was accepted for deposit without a problem.Ī Bank of America spokeswoman said that while there might occasionally be a problem with an individual check, “by and large, feedback has been positive” for the new feature. Read such checks either, and you must type in certain information to deposit them by machine.) Did I perhaps have a second, type-written check to deposit to test that theory? I gave Bank of America a second call, and the representative I spoke with suggested that the image of the hand-written check might not be clear enough for the app to accept. She also advised tapping on the image, to help focus before snapping the shutter. Verizon connected me to an Apple representative, who verified that I had properly updated software before suggesting that I remove the phone’s protective case, in case it was interfering with the auto-focus feature. But the app still wouldn’t accept the check images. The representative then referred me to someone else, who had me snap a photo and text it to myself to check the Way - gamely walked me through uninstalling and reinstalling the app, That didn’t help. ![]() The first customer service representative - after first saying, not entirely as a joke, that I simply deposit it the old-fashioned I called my cellular provider (Verizon), which sold me the phone less than two weeks ago. If thatĭidn’t work, he suggested there might be a problem with my phone’s camera, so I should contact Apple to see if they had any ideas about solving the blurriness problem. He suggested uninstalling, then reinstalling, the app, and trying again later. I called customer service, and a bank representative said he wasn’t aware of any issues with deposits of personal checks. Despite taking and retaking the image numerous times, in different lightingĪnd from varying heights, I got the same error message: “The image is blurry. The second check, however, a hand-written personal check sent by a relative as a gift for my daughter’s birthday, was a different story. I then chose an account to deposit the funds into, typed in the amount and clicked “deposit.” Pretty easy, and I didn’t have to get in my car and drive to a branch. But I moved to an area with better lighting (my kitchen, if you must know),Īnd the third time worked. The app rejected my first two attempts as too blurry. This step took me a couple of tries with the first check, a computer-printed version. Only.”) It instructed me to place the check in a well-lit area, to make sure the image was within the square frame provided as a guide and to snap the image from above. The app directed me to take two photos: one of the front of the check and a second of the back of the check (which must be endorsed “for deposit ![]() Once the app opened, I clicked on the “deposits” tab. Using a new phone, I also had to answer additional security questions to verify my identity the first time I used the app. You have to be an online banking customer to use the mobile banking app. I easily downloaded the bank’s free mobile banking app onto my iPhone and logged in using my online banking credentials. Citibank and Chase already offer “remote deposit capture,” as it’s called, and some smaller banks, like USAA, have been offering So I testedīank of America recently introduced the deposit feature with little fanfare. The addition gave me the push I needed to try mobile banking on my new iPhone. Mobile check deposit confirmation screen.īank of America has (finally) begun offering a check deposit feature on its mobile banking app for smartphones and tablets. ![]()
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