Mobile Deposit®

Fast, convenient check 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 6,400 financial institutions and is loved by more than 80 million consumers.

Trusted By 99 of the top 100 US Banks

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4 billion mobile deposits
totaling $3 trillion in cumulative check value

Saving Banks $6.6 billion

Saving consumers
1.1 Billion hours

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Keeping 14.6 million tons of
CO2 out of the atmosphere

Mobile deposit makes remote banking quick and easy

Mitek's Mobile Deposit® offers convenient check deposit solutions for consumers, by allowing them to simply take a photo of a check with their device. Fueled by proprietary technology, we've combined our MiSnap™ capture experience with breakthrough image analysis to deliver a quick and simple user experience.

Read the benchmark report

2021 Mobile Deposit Benchmark Report

Remote check deposit technology for usability, scalability and risk mitigation

An intuitive user experience for consumers. Hosted and on-premise deployment options to scale with the largest financial institutions. Advanced image processing and analytics provide high confidence rates, and assist in risk mitigation

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

  • Image analytics meet Check 21 industry standards
  • Automatically correct warped, distored, and poorly lit images
  • 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
  • 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 options

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 Harland Clarke PhotoSafe checks
  • Immediate MICR validation
  • Blank LAR field detection

Analytics

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

Exceptional user experience

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

    Use Cases

    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.

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    Over 25% of small businesses are considering changing banks, while fewer than 15% agreed that their bank offered their business personalized services.

    More effectively serve small business customers by enabling a better digital banking experience.

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    Mitek offers mobile image capture to end user organizations as a software as a service solution. Organizations like the Pan-Mass Challenge (PMC), which puts on a two-day bike-a-thon each August in Massachusetts.

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    Experience Mobile Deposit®

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