Banks have hesitated to adopt technology that would let us scan paper checks at home for deposit. The Check Clearing for the 21st Century Act allows banks to exchange electronic images instead of paper checks, but USAA, a credit union associated with the military, is currently the only bank to offer customers a check scanning option. Sure, it’s easy enough to stand on line for a teller or wait for an ATM, but we fear sunshine and people and prefer to stay indoors, thank you. Assuming it was free, is this something you would use if it was offered by your bank? Vote in our poll, after the jump.
Scanning Your Money to the Bank [NYT]
More From Consumerist
-
Bad News: Canon Printer/Scanner/Copier/Ink Cartridge Devices Also Won’t Scan With No Ink
-
Walmart Testing App That Allows Customers To Scan As They Shop Then Pay Quickly At Self Checkout
-
Why Does Target Need To Scan My Driver’s License To Sell Me Nicotine Patches?
-
All Of The Summer Items At CVS That Are 50% Off Are 50% Off
-
TSA’s Plans Mean Maybe The Security Screening Process Won’t Be So Darn Annoying
@bdude: That’s interesting. Checks aren’t commonly used here but unless you have some kind of direct deposit thing set up with an employer, it’s how you get paid. It’s also generally the only way to pay rent at most apartments, among other things. There are no fees for using a check.
@NoWin: I work for a large bank too and we have had this for over a year with little success. And I work with large commercial clients. They’re all government contractors though and the government pays electronically these days. All of the companies I work with get only a few checks a week, so the price of the scanner (a few hundred $$) is not worth it.
Just wanted to point out that USAA is not only for military members, it’s also for other comissioned officers (my father got it because he used to be in the US Foreign Service).
This really is an awesome service and just one of the reasons I love that company. If only they’d rework their Java applet for Macs and make it work like it does on a Windows machine. Then the world would be a better place!
Oh, and it is a wonderful feeling having a bank actually trust its customers!
I bank (among other things)with USAA and have been using the Scan Check program for a while and have never had a problem. The program requires that the scanner be plugged directly into the computer (i.e. no network data centers, etc.) and it pulls the image directly from the scanner – no uploading images – good for security.
I’ve been with USAA for several years. Their customer service is the best of any company (of any industry) I’ve ever dealt with – I’ve no doubt any problems with the Scan Check would be easily resolved.
save your postage. scan your checks.
USAA Member here and Deposit@Home Roxxor!!
I love it, love it, love it.
Wait did I say I love it? Ok well I love it.
I trust USAA 100% They have proven that they have protection safeguards in place to ID and terminate fraudulent activity. I was iniitally denied use of my CC when traveling for business because the charge at the hotel was “outside your normal usage profile” One call, a confirmation it was be and I was back up and running.
Solid company, honorable mission, if your lucky enough to be eligable you would be a fool to not work with them.