The conventional wisdom has always been: prepaid card customers will pay a fee for mobile check deposit, but bank customers won't. A year ago, Regions Bank decided to charge a fee to both audiences and has monitored the results.

Surprisingly, many mass-market bank customers are willing to pay top dollar for the service. Prepaid and bank account users pay the same fee of up to 3% of the deposit value for immediate access to funds (with a $5 minimum), and bank customers have the additional options of paying 50 cents to get funds in two business days or $3 for same-day (but not real-time) deposits.

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