This changed recently. Today I tried ING's new remote deposit service, Checkmate. All I can say is "Wow!" The service is so easy and intuitive. Here's how it works:
- I downloaded the ING Direct app onto my smartphone. Logging into my account works the same way as if I were on a computer. I can view my account balances, transfer funds, or find an ATM. Now, there is an option called "Deposit".
- It's really quite simple. After clicking deposit I am taken to a photo screen and told to snap a photo of the front of the check. Then I take a photo of the back of the check. Finally, I am asked to enter the amount of the check.
- Moments later, I receive an email confirming my deposit and asking me to hold onto the check until it clears.
That's it. I estimate it will take less than a minute to deposit a check this way. I can deposit the check as soon as it arrives instead of waiting for a convenient time to drive to my local bank. I save time and gas. Sweet.