ING Direct Will Start Allowing Paper Check Deposits By Scan….Now?

by The Happy Rock on January 24, 2011

[Update 5-2-2012]  Almost a year and half after the initial signs of life, ING Direct finally released their long awaited remote check deposit by scan or by smartphone picture.  It is called CheckMate and works perfectly. I tested it over the  weekend by following the three step Checkmate wizard(on my Android phone) that walks you through what pictures to take and the check was deposited within minutes.   You can view ING’s “How CheckMate Works” video for exact details or read PT Money’s article on his experience.

ING Direct is finally starting to show signs that depositing checks by scan and/or fax is going to happen in the near future.   Let’s also keep our fingers crossed that they will also integrate with mobile phones like iPhone and Android. Here is the information we have thus far(June 7th 2011):

Official ING Help Question

I hear a lot of buzz about being able to scan checks for deposit called Remote Deposit Capture. Is this something ING DIRECT will offer in the future?” – ING Help Center


“Let’s just say, it’s in the works.  We’re working hard to offer you more convenient ways to make deposits into your ING DIRECT account(s). Stay tuned…”

A second confirmation came directly to me as I complained on my Twitter account:

“Still hoping that @ingdirect will implement check deposit by scan. Seems like something they would’ve already done. Mailing checks is 90’s.” – @TheHappyRock Tweet

Official ING Response

“@TheHappyRock Mailing checks is sooo 90’s – Don’t worry, remote deposit is on the way. It’ll be a dream come true” – @INGDirect Deposit Tweet

Update 3/14/2011

“@LeviMaaia @TheHappyRock You bet, but still no ETA. We’re forecasting nothing but smooth sailing once released.” – @INGDirect Response Tweet

Update 6/7/2011

Judging from a recent tweet we might have remote deposit for July 4th.

@JacobAtchley Let us ease the pain…you’ll be seeing some easier ways to deposit checks before you’re declaring your independence.” – @INGDirect Response Tweet

Update 7/6/2011

Looks like they didn’t make it by July 4th, but they still say it is coming very soon.  I hope so, because I have a bunch of checks to deposit.

@adgriffi @TheHappyRock Remote deposit will be cause for its own celebration very soon…didn’t want it to get overshadowed by the holiday :-)” – @INGDirect Response Tweet

Update 7/25/2011

The new website design now has a ‘Deposit Checks’ option under the ‘Transfers and Deposits’ menu.  When clicked it displays a coming soon message.

Update 9/23/2011

A great observation by a Happy Rock commenter about the new release of the ING Android app. “ING released a new version of their Android banking app on 21-Sep. I took particular interest because it required acceptance of new permissions to complete the update. One of the new permissions was “Hardware controls, take pictures and videos”.”

Update 2/12/2012 (Over a year since the first update)

I just got off the phone with a customer service rep and he said that it should be “shortly”, but he couldn’t give a time frame.  He mentioned that other banks had a 30% success rate when they rolled out the remote deposit service and they are trying to make sure everything just works.  I know it is tough technology and the ramifications of checks not cashing is gigantic, but they have really botched the PR on this on.  As many commenters have mentioned the twitter feed is filled with quotes about how hard at work they are without any specifics.   They put a placeholder in their web interface in July of 2011when they first promised the feature, but it doesn’t feel like we are any closer in early 2012.  Let’s hope they keep pushing and work out the kinks ASAP.


As a heavy ING Direct product user, who is stuck mailing paper checks into my Electric Orange Checking account for deposit, I am quite excited. Remote Deposit Capture means that I can save on stamps and processing time, and I will spend a lot less time with money sitting on my desk doing nothing.     Hopefully, this gets done very soon which from the two responses above looks like it is a possibility.  I have a few more inquires out to see if I can gather a little more information.

{ 37 comments… read them below or add one }

Jill June 23, 2011 at 11:43 am

That would be so awesome! I’m still getting used to my electric orange and just mailed my first paper check to them this week. In your experience, about how long does it take for the money to show up in your account?


The Happy Rock June 23, 2011 at 9:32 pm

Depends on were you are located, but it takes about 3-5 days or so for the money to show in my account when mailing and another few days to completely clear.


Beth June 24, 2011 at 11:55 pm

Remote deposit will be awesome! Does anyone know if ING will be allowing customers to have paper checks on hand for emergencies? I’ve searched all over the web and can’t find an update on this. Sending checks out for free via their website is great, but sometimes it’s nice to have an emergency check in my purse in case I need it…


Beth Too June 28, 2011 at 2:00 pm

Do you have a debit card from ING? If so, that should be just as useful, if not more so, than checks in emergencies.


Jennifer July 17, 2011 at 9:22 am

I doubt it. The point of ING accounts were to save money and processing checks is costly and timely. Just use a check from your linked checking account.


Patrick August 29, 2011 at 10:57 am

As an update, ING now has checkbooks of 50 checks each which cost 5 dollars. These checkbooks are very secure in that 1) you have to activate your checkbook much like a credit/debit card and 2) each check has a series of random numbers identifying it as legit to ING so any fake checks will be easily identified and not drawn on your account.

Hope this helps!


Jon June 25, 2011 at 2:35 pm

July 4th is right around the corner, is this feature live yet? Mailing in checks is very lame, and until I can scan them from home, I’ll hold off on switching to ING.


Rick July 25, 2011 at 8:36 pm

I talked to ING customer service today, and they said online check deposits would begin on July 27. That’s only two days away! Let’s hope they make it this time.


Shell August 10, 2011 at 1:25 pm

I could taste it, it’s so close! Wow, true convenience. FINALLY!!!! I still can’t believe they came out with paper checks…I guess they’d rather process them, then lose the business to another bank…


will September 2, 2011 at 3:51 pm

still waiting…


Sunshine September 8, 2011 at 6:01 pm

I just switched my checking to ING. The check-writing feature alone (which I never thought I’d really use) was enough to get me thinking about it. The ability to keep the ledger online though, sealed the deal. Now, I’m waiting to be able to scan checks for deposit and I’m going to go nuts telling my friends and fam!


John Doe September 14, 2011 at 10:41 pm

September 14th, 2011. Still waiting. From the ING Direct website, “Depositing checks is about to get a whole lot easier.
Hang tight … we’re just dotting the i’s and crossing the t’s.
In the meantime, continue depositing checks the same ol’ way.”


sebastian September 19, 2011 at 3:30 am

Fudgesickles!!! I really am getting more paper checks than I ever imagined. C’mon guys, get ‘er done!


JP September 22, 2011 at 1:55 pm

Still waiting on the check deposit…it seems like forever since they told it was just around the corner.


Android User September 23, 2011 at 9:31 am

ING released a new version of their Android banking app on 21-Sep. I took particular interest because it required acceptance of new permissions to complete the update. One of the new permissions was “Hardware controls, take pictures and videos”.

Maybe we’re close to having check image deposits?


Amy September 26, 2011 at 6:13 pm

Sooner rather than later would be nice. I haven’t gotten paper checks very often until recently; I broke my leg at work, and the insurance company paying my disability doesn’t offer direct deposit, which strikes me as even lamer than Ing’s lack of remote capture.


Discouraged September 29, 2011 at 11:36 pm

As a current dissatisfied C1 customer – only so that I have a way to deposit a check locally and transfer it into my ING Direct account – I’m sure that from the recent C1 acquisition of ING Direct USA they will make a huge mess of it somehow. At this point RDC has been “coming soon” for MONTHS. Really ING? Other banks big and small have launched consumer RDC successfully, some quite a while ago and yet we’re all still waiting for you to dot the i’s and cross the t’s. Tip: hire a tech firm that knows what they’re doing and get it out the door.


Citi Sucks October 5, 2011 at 6:15 pm

Just opened an ING Electric Orange checking because Citibank is going to start charging $15 or more each month in November.

Please hurry up with the check deposit options…mailing checks in is not appealing.


Everett October 7, 2011 at 12:38 pm

Android MT4G 2.2 (remote banking) user, really anxious to see which High/Low fee / service I will keep. Thanks Sen Durbin.


braindancer November 7, 2011 at 3:33 pm

It’s Niovember 7, and they are still crossing the t’s… My guess is when they mentioned “independence”, they didn’t mention which year – for a reason :(


Leah November 9, 2011 at 11:28 am

FYI – You can deposit checks by scan to Paypal, and then transfer to ING. Not very fast, but still better than mailing. Unless you need the money now, then you might want to cash it at the grocery store instead LOL.


Kendra November 23, 2011 at 6:04 pm

When I talked to a customer rep a few weeks ago, he said that the employees are currently testing the system with their own accounts and that the rest of us should have it by the end of the year. I’m crossing my fingers, but reading the posts above, it looks like they have been stringing people along for a while now…


Chris December 9, 2011 at 12:23 pm

I have direct deposit at my job, but I’m also a freelance composer and music arranger who is paid in checks quite often. Does ANYONE have an update on when this is going to happen???


Michele December 17, 2011 at 2:24 am

Chris, I actually asked a rep yesterday (12/15). She said they are still in test mode and have no idea on the rollout timeframe.


Logan December 9, 2011 at 10:29 pm

Well a year later they’re still “just dotting the i’s and crossing the t’s”

But Crapital One did manage to slash the interest rate for the 2nd time in two months.

I’m moving to Discover for the 1% I had a ING before Craptial One took them over.


g mitchell December 27, 2011 at 2:39 pm

Yea this is BS….There is NO WAY it should take over a year to implement this feature. I understand if it didnt come on smartphones 1st. but you should have at least been able to do it from home by now. Who is doing the programming 100 monkeys on a 100 typewriters…. sheesh


Craig January 4, 2012 at 9:18 pm

I also noticed the double cut interest rate to .85% in the latter part of last year. When they were raising rates, they always sent an email to let you know. They never tell you when they cut it. I found out by logging into my account and looking at it. I opened an account at Discover Bank for the 1% I used to get at ING Direct. I’ve moved some of the money. I want to get a good feel for the fuctionality of the Discover Bank account before moving most of it. I’m going to leave my ING Direct account open with a small balance in case Discover lowers their rate below ING. I’m not happy it was taken over by Capital One.


Caskey January 27, 2012 at 4:10 pm

I just called and spoke to a rep who said they have no idea when it is going to be implemented…could be a month, could be never. He advised that ING might not be willing to take on the risk of fraudulent deposits due to their size. He said employees were using the system internally as a test, but that it’s happened before and been pushed back. It wouldn’t be so bad if they would be honest about the status rather than teasing that it could happen any minute now. If you look at the company’s Twitter profile you’ll see daily insistence that it’s eminent.

Here’s one from yesterday:

@briannerene We’ve got the techies working around the clock to get remote deposit to our Savers. We’ll let you know when it’s ready to debut— ING DIRECT USA (@INGDIRECT) January 26, 2012

If they’ve really got the techies working around the clock for over a year, it’s time to get new techies.


Justin January 29, 2012 at 12:23 pm

Living down here in Florida it’s becoming a problem. I just don’t understand why we can’t take cash and deposit with our debit cards? Most of the other banks do it!!


Jon February 1, 2012 at 9:39 am

Ally already has this feature. Scan a check at your computer and deposit it to your account.


Bill March 6, 2012 at 5:41 pm

All of you people whining about this really need to relax and watch Louis CK’s bit about flying and cell phones etc…. and how people b***h about the smallest things like peanuts and have totally forgotten about the fact that they are “flying through the air”.

You brain surgeons act like you can code an app in seconds that actually READS YOUR CRAPPY HANDWRITING and converts it to data. Yeah others have it, but I’m sure they are not sharing the code. And I’m sure their rates are lower and their fees are much higher then INGs because ING does THINGS DIFFERENTLY. As in LOW OVERHEAD. As in GETTING EVERTYHING THEY DO RIGHT THE FIRST TIME.


Logan March 7, 2012 at 2:54 pm

@Bill the brain surgeon:

Except they got the date for launch wrong the first time, and second time and third time and fourth time…

Since Crapital One took over all they’ve done is lower the interest rates.


Michele April 25, 2012 at 8:33 am

OMG! CHECKMATE! I logged in this morning and BAM! PS – video demo is not working, LOL. I’m about to try it out…let’s hope that the scan deposit is working. Happy Banking people!!!!


Skater April 26, 2012 at 1:01 pm

It works! Logged in yesterday and saw that the whole app was changed. Then saw the image deposit feature. Tried it out today, and BAM! It works! Well, I won’t know if it actually deposited the money until Monday, but the software deposit feature is working at least… I’ll let you know if the correct money is actually deposited on Monday, April 30th.


logan June 4, 2012 at 3:36 pm

“We can’t read your check. Try retaking the photo and upload a new image.” No matter how clear the image is. This is VAPORWARE. It’s garbage and doesn’t work. Just what I would expect from CRAPITAL ONE.


Patrick H June 4, 2012 at 4:59 pm

I haven’t had that issue at all. Every one of my checks has been processed no problems. I’ve been using the iPhone app though, so that may be the difference. Good luck!


Ed Lynch June 4, 2012 at 8:33 pm

It works for me… I have deposited 11 paper checks so ar, and all have been deposited correctly, accurately, and have had no bounce backs or problems.

The firs time I used it, I was getting the same problem Logan was having. I cleaned my camera phone lens, and after that, it worked like a charm. Works even better on my iPad…



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