Mobile Check Deposit

Bring Mobile Check Deposit to Your App or Web

Enable your customers to deposit checks anytime, anywhere, using their smartphone or device. Chequedb provides the secure, AI-driven backend to power mobile check deposit for banks and fintechs, with the bank check OCR API and review workflows already in place.

Start with the bank check OCR API overview, then use the mobile SDK and integration flow that fits your app.

Why Offer Mobile Check Deposit?

Convenience for Customers

Let users deposit checks from anywhere, reducing branch visits and improving satisfaction.

Faster Clearing

Cheques paid in by 4pm clear by the next working day*, matching leading banks like Barclays [source].

Secure & Compliant

AI-driven fraud detection, encrypted storage, and full audit trails keep your institution safe and compliant.

Easy Integration

Add mobile check deposit to your app or web with our robust API and SDKs-no need to reinvent the wheel.

Customisable Limits

Set cheque amount and frequency limits to match your risk policies, just like major banks.

Real-Time Status

Customers can track cheque status instantly, reducing support queries and boosting transparency.

For Banks & Financial Institutions

SDK Integration

Integrate mobile check deposit directly into your existing mobile or web app using our developer-friendly SDK. Enjoy full control over the user experience, branding, and customer journey, while leveraging Chequedb's secure, scalable backend and AI-powered check processing.

  • Comprehensive documentation and support
  • Flexible API endpoints for all cheque operations
  • Customisable limits, workflows, and notifications

Whitelabel App

Don't want to build your own? Launch a fully branded, ready-to-go mobile check deposit app powered by Chequedb. We handle the technology, security, and compliance while you focus on your customers.

  • Custom branding and onboarding
  • Fast deployment and updates
  • Bank-grade security and compliance

How It Works: Step by Step

1. Open your app

Customers log in and select 'Deposit a Check'.

2. Enter cheque details

Input the amount and payee, then tap to take a photo.

3. Snap photos

The app guides users to capture clear front and back images while AI checks for quality and fraud risk.

4. Submit & track

Chequedb processes, verifies, and updates status in real time. Funds clear by the next working day if submitted before 4pm*.

*Clearing times and limits can be customised to match your institution's policy.

How It Compares

See how Chequedb stacks up against other mobile cheque deposit solutions in the market.

FeaturesChequedbCompetitor ACompetitor B
AI Fraud Detection
Handwriting Recognition
On-Premise Deployment
Custom SDK Integration
White-label Option
Real-time Status Updates
Signature VerificationAdvanced AIBasicNone
Biometric Checks
Unlimited Users
Custom Validation RulesFully CustomizableLimitedLimited
API Rate LimitsUnlimitedTieredTiered
24/7 SupportEnterpriseEnterpriseLimited

*Comparison based on publicly available information. Features may vary.

Security Specifications

Bank-grade security measures to protect your institution and customers.

End-to-End Encryption

AES-256 encryption for data at rest and TLS 1.3 for data in transit. All cheque images are encrypted before storage.

AI Fraud Detection

Machine learning models analyze cheque images for alterations, forgeries, and suspicious patterns with 99.8% accuracy.

Signature Verification

Advanced pressure-point matching algorithm compares signatures against stored references with biometric accuracy.

On-Premise Option

Keep all data within your infrastructure. No external API calls required. Full data sovereignty.

Compliance Certified

SOC 2 Type II, PCI DSS Level 1, ISO 27001 certified. GDPR compliant data handling procedures.

Audit Trail

Complete immutable logs of all cheque transactions, approvals, and system access for compliance.

Additional Security Features

  • Device fingerprinting and binding
  • Jailbreak/root detection
  • Multi-factor authentication (MFA)
  • Rate limiting and DDoS protection
  • Automatic session timeout
  • IP address whitelisting
  • Suspicious activity alerts
  • SOC 2 Type II & PCI DSS certified

Frequently Asked Questions

Common questions about mobile check deposit security and implementation.

What is mobile cheque deposit?

How secure is Chequedb's mobile cheque deposit?

What devices and platforms does the mobile deposit SDK support?

How quickly are mobile-deposited cheques processed and cleared?

What is the difference between SDK integration and the white-label app?

How does Chequedb compare to other mobile deposit solutions?

Ready to offer mobile cheque deposit?

Contact us to see a live demo, validate your mobile check deposit workflow, and start integration.