2018 Mobile Deposit Benchmark Report

The report  looked at how 20 U.S. retail financial institutions (FIs) ranked based on the quality of customer experience in app design and customer-friendly policies

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We Invented Mobile Deposit®

Mobile Deposit® is the market-leading mobile remote deposit capture (mRDC) solution for retail financial institutions, brokerages, and prepaid card providers. Our patented, award-winning technology has been licensed by more than 6,100 financial institutions and is loved by more than 80 million consumers.

See world's best auto-capture experience

Mitek has enabled more than
2 Billion Mobile Deposits

Totaling $1.5 trillion in cumulative check value

Saving Banks Money

Saving banks
$5 billion

Saving consumers time

Saving consumers
830 million hours

Saving the planet

11 million tons of CO2
out of the atmosphere

Everyone Loves Mobile Deposit®

Usability, scalability, and risk mitigation 

Exceptional user experience

Mitek's MiSnap™, our advanced auto capture experience, makes check capture effortless. The consumer simply holds their mobile device over the check and MiSnap™ automatically captures a usable image. Easy image capture means first time users are successful generating more usage and better reviews of your app. For the bank, Mitek's MiSnap™ mean less images are flagged for review.


Risk mitigation

  • Endorsement Detection - the ability to detect the presence of an endorsement on the back of a check
  • Restrictive Endorsement - detects the presence of a desired phrase in the endorsement such as “For Deposit Only at XYZ Bank” to limit duplicate deposits
  • CAR/LAR Matching - ensures the numerical and the written amounts match
  • Front and Back Matching – this feature leverages new Harland Clarke PhotoSafe checks
  • Immediate MICR Validation
  • Blank LAR Field Detection


Business Intelligence Dashboard for performance analytics and tuning:

  • Understand what types of mobile devices are in use across the user base
  • Learn how all iOS and Android devices are performing
  • See imaging quality analytics, system performance, and other key metrics
Easy Integration

Build your Mobile Deposit® app on Mitek’s strong foundation

  • Image analytics meet Check 21 Industry Standards
  • Advanced algorithms automatically correct images; dewarp, deskew, distortion, and poor lighting conditions.
  • Specialized OCR software for highly accurate MICR validation
  • API for easy integration into mobile banking apps as well as core systems
  • State-of-the-art encryption
  • Various account capable so the user can select from the accounts
  • Mobile Deposit® history review for deposits and processed images
  • International Support – available and supported in many countries around the globe.
  • Available for iOS and Android
  • Hosted and On-premise deployment

Mobile Deposit® is available through these partners:

Do you have any questions? Contact Us

Mobile Deposit® Innovation Timeline

Read Open Letter to Banking Industry

10 Reasons Why Mitek's Mobile Deposit® is the Gold Standard for Remote Check Deposit


  • Mitek Brings A2iA's Artificial Intelligence (AI) To Mobile Deposit® 4.7
  • Mobile Deposit® Processes More Than Two Billion Checks, $1.5 Trillion in Cumulative Check Value


  • Offered by 6,100 Banks and loved by 80M Consumers
  • $1 trillion deposited through Mobile Deposit®
  • American Cancer Society adds Mitek MiSnap™ and Mobile Deposit® to its mobile app


  • Mitek celebrates 1 billion mobile deposits
  • Mitek releases multi-check capture SDK to make commercial Mobile Deposit easy
  • Harland Clarke and Mitek collaborate to strengthen Mobile Deposit security with PhotoSafe™
  • Mitek granted patent for MiSnap™ automatic image capture technology


  • Mitek delivers new Mobile Deposit® solution built for business
  • Mitek Granted 9th for Mobile Deposit U.S. patent No. '170


  • Mitek MiSnap™ available to 20 Million plus Mobile Deposit® users
  • Mitek’s breakthrough restrictive endorsement feature reduces duplicate mobile deposits
  • Mitek MiSnap™ mobile auto capture improves Mobile Deposit® user experience at 10 leading financial institutions


  • Mitek Labs adds endorsement analytics and business intelligence to Mobile Deposit®
  • U.S. PTO issues patents '473, '098 and '914 to Mitek


  • $10 billion in Mobile Deposits enabled by Mitek
  • Mitek Mobile Deposit® powers more than 20 reloadable prepaid cards


  • Mobile Deposit 3.0 with improved UX, performance and supports for more check formats announced
  • Top 5 US banks all signed for Mobile Deposit
  • U.S. PTO issues patents '514, '900, '268 and '176 patent to Mitek


  • First Mobile Deposit patent issued
  • Partnership with FIS for Mobile Deposit announced


  • Partners with NCR and FiServ for Mobile Deposit
  • Mitek and mFoundry announce demonstration of Mobile Deposit at BAI TransPay Conference in San Diego


  • Conducts 1st public demonstration of Mobile Deposit at BAI TransPay Conference, San Antonio, TX
  • Files patents '900, '514, '268, '176
  • Files 1st Mobile Deposit Methods and Systems Patent
  • James DeBello speaks at first RDC Summit in session entitled "The Future of RDC"


  • Develops initial Mobile Deposit prototype

Related content

2018 Mobile Deposit Benchmark Report

The lure of ROI from digital-channel migration to mobile payments readiness is raising the bar among top retail financial institutions in turn causing some to rise and others to fall in this year's customer experience rankings for 20 top retail banks and credit unions.