Mountain America CU Adds Remote Deposit Capture To Its Mobile Banking
WEST JORDAN, Utah – Mountain America CU has added mobile remote deposit capture capabilities to its mobile banking platform, enabling members to securely deposit checks with a camera-equipped smart phone, providing the added convenience of anytime, anywhere deposits.
The $2.8 billion credit union has teamed with technology partner Bluepoint Solutions to launch the service. Mountain America selected Bluepoint Solutions' QwikDeposit ToGo, which leverages Mitek Systems Inc.’s Mobile Deposit software application.
Mountain America's members can deposit checks from a smart phone by keying in the deposit amount and then – using the phone's camera – take photos of the front and back of the check. The application then automatically performs multiple quality assurance and image correction functions to minimize image distortions, such as skewing or exposure inconsistencies, and ensure the images meet Check 21 and mobile image-quality standards. All transactions are transmitted with multiple layers of security and, if necessary, can be traced back to registered smart phones, marked with time and location, to combat fraud.