The service is available to U.S. Bank Mobile Wallet application users. Now, customers can take a photo of the front and back of the check and send it through U.S. Bank Internet Banking.

“We did this primarily around convenience,” said Mac McCullough, executive vice president and chief strategy officer at U.S. Bancorp, Minneapolis. “Right now the service is only available for iPhone users, but we’ll be developing products for BlackBerry and Android devices soon.

U.S. Bancorp operates 3,069 banking offices in 25 states and 5,310 ATMs and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions.

How it works
U.S. Bank customers can take a photo of the front and back of the check, enter the dollar amount of the deposit and select the checking or savings account they want to deposit it in.

After their selection, consumers can validate the information that was submitted.

In addition to the mobile deposits, consumers can monitor their credit accounts via their smartphones.

Customers can opt-in to receive customizable, real-time text or email alerts, including suspicious activity alerts that warn of possible fraud.

Consumers can opt-in to receive alerts if their credit card has been used for an ATM cash withdrawal, to make international purchases or for any other transaction that was done where the card was not present.

Additionally, the alerts feature informs consumers about declined transactions, which could be a sign of attempted fraud.

Last year, the company partnered with Visa, DeviceFidelity, FIS and Monitise to pilot mobile contactless payment technology that let consumers pay for purchases by waving their smartphone in front of a Visa payWave contactless payment terminal.

“We think mobile is very important,” Mr. McCullough said. “We see transactions in general migrating into the digital channels and mobile will play a big role in having customers stay connected.

“I think doption continues to be very strong,” he said. “We’re introducing a lot of changes to our product this year such as bringing more payment capabilities.

Final Take
Rimma Kats is editorial assistant on Mobile Commerce Daily