Illustration of a smartphone scanning a check with corner alignment brackets and a blue checkmark confirming successful capture, with a document icon in the background.

Mobile Deposit®

Fast, convenient check deposits

Mobile Deposit is the market-leading mobile remote deposit capture (mRDC) solution for financial institutions, brokerages and Fintech companies. Our patented, award-winning technology has been licensed by thousands of financial institutions and is used by millions of consumers and businesses.

Speak with an expertSee top partners

Trusted to process billions of mobile deposits each year

Mobile deposit makes remote banking quick and easy

Mitek enables consumers and businesses to deposit checks anytime, anywhere using their financial institution's mobile banking app. Powered by the industry's leading MiSnap® auto-capture technology and sophisticated computer vision, Mobile Deposit delivers a fast, intuitive user experience while helping financial institutions increase digital adoption, reduce operational costs, improve customer satisfaction, and accelerate funds availability.

Read the benchmark report

Cover of the Seventh Annual Mobile Deposit Benchmark Report by Cornerstone Advisors, subtitled Customer Experience Rankings for 20 Top Retail Banks and Credit Unions, authored by Glenn Grossman and sponsored by Mitek

Mitek Mobile Deposit is deployed by thousands of Financial Institutions through a series of Fintech partners including:

Mobile check deposit technology for usability, scalability

An intuitive user experience for consumers and businesses. Both hosted and on-premise deployment options are available to scale with financial institutions of all sizes. Advanced image processing for various fields including CAR/LAR, presence of payee name, endorsements, dates, MICR data, image usability and image quality and other various check data provides high confidence rates for X9.37 file creation and further downstream processing.

Photo of check on a Mobile Deposit app

Build your Mobile Deposit solution using Mitek’s best in class technology

  • Image analytics ensure that captured and submitted images meet Check 21 industry standards
  • Automatically correct warped, distorted, and poorly lit images
  • Specialized OCR software for highly accurate MICR validation
  • API for easy integration into mobile banking applications as well as core systems
  • International support: available and supported in many countries around the world

MiSnap capture SDK is available for iOS, Android and Mobile Web.

Comprehensive Mobile Image Processing

  • 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 by the deposit amount and check amount, such as: “For mobile deposit only” 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

Mobile Device and Image Analytics

Business intelligence dashboard for performance analytics and tuning for digital banking:

  • Understand what types of mobile devices are in use for mobile banking 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™ makes check capture effortless. Consumers simply hold their mobile device over a check, and MiSnap automatically captures a high-quality, deposit-ready image. Programmatic image capture improves first-time acceptance rates, reducing image exceptions and manual reviews while helping financial institutions process mobile deposits more efficiently.

Deposit on demand end-to-end Mobile Deposit solution

Designed specifically for charities, fintechs and other payment solution providers.   

Deposit on Demand includes the MiSnap capture SDK, mobile deposit image processing, and risk management capabilities.

Automates creation and transmission of X9.37 files to the client’s financial institution.

Speak with an expert