HomeBankingING Direct Checkmate Brings Remote Deposit to Mobile Devices

ING Direct Checkmate Brings Remote Deposit to Mobile Devices

UPDATE: ING Direct is Now Capital One 360

After a long wait, ING Direct has finally added a feature that changes everything. In the past, I’ve talked about how much I like ING Direct, but they’ve been missing one important feature: remote deposit. The promised it would come sometime in Spring 2012, and it seems like they are right on time.

For a few years, I’ve used ING Direct as my primary bank, but I’ve kept my Bank of America account so that I can deposit checks. With ING, the check depositing process was so inconvenient that I never even tried it. It meant sending in checks via mail to get them deposited, which is far less convenient than walking down the block.

Well, now ING Direct makes walking to the bank a thing of the past, and there seems to be little reason not to replace your brick and mortar bank with ING Direct. Between this and giving out paper checks, ING Direct is now a complete bank. Bank of America has caused me a lot of trouble in the past, so it may be time to say goodbye to them.


ING Direct’s newest feature, CheckMate, allows you to deposit checks from anywhere using your mobile device. On the iPhone, all you  need to do is snap a picture of the front and the back of the check, enter the deposit amount and the account you want to deposit to, and hit the send button. The only restriction is that the check must be under $3,000, which isn’t typically an issue. How convenient is that?

ING Direct has updated the entire iPhone app, you can check out all of the new and improved features on their site. The other feature of the app I think is cool is their ATM locator, which previously was part of a separate app. Having it all in one place is definitely a plus.

Check it out and let me know what you think. If you’ve been waiting for this feature, you can sign up now. I can’t wait to get a check and deposit it from the comfort of my own home!

UPDATE: I’ve found out a few more details about CheckMate from ING Direct’s help section. The most relevant things I’ve found:

  • There is no fee to use CheckMate. It is absolutely free!
  • All U.S. personal, business, and federal checks should be accepted. Foreign checks, money orders, traveler’s checks, and saving bonds will not be accepted
  • You money will be available based on the following breakdown::
    • Checks deposited for less than $500 – first $200 is available the next business day, the remaining funds are available after 2 business days
    • Checks deposited for greater than $500 – first $200 is available the next business day, the remaining funds are available after 5 business days
  • Checks deposited after 5 PM ET Monday through Friday, after 2 PM ET on Saturday and anytime on Sundays or federal holidays will be processed the next business day.



  1. Finally! I’ve been waiting for this functionality for a while! I’ve been doing scanned deposits via my Ally account for a while, but it’ll be nice having a mobile phone camera deposit available through my ING account now.

  2. Well after taking 600 dpi scans of a check I happened to have, the ING site “can’t read” my check. I don’t know how I can make these scans any higher quality. What a shame…

    • @infamousdx,

      I spend like an hour this morning scanning my check using my scanner. I tried scanning the check with no edges and then with a 1-2″ border around the check and even an 8 1/2×11 image all at 400 dpi. I received the “can’t read” error each time.

      Then I grabbed my iphone and took a picture with the camera on it, emailed it to myself on my computer, and then uploaded those images to ING. Worked the first time. i was so upset.

      So try to snap a picture with your camera phone or digital camera and use that picture instead of your super clear and readable scanned image of your check. Hopefully ING will work out these kinks soon.

  3. We haven’t used our BoA once since Ally instituted scanned check deposit – there’s really no reason any longer to keep it. Using a phone would be even easier/mobile so I hope Ally implements that soon.

  4. Finally, ING has botched this roll out since January of last year. I am very very glad that it is finally done. I have been mailing checks to them for years.

    Thanks for breaking the news.

Comments are closed.

Most Popular

Recent Comments