topic Re: Alliant Mobile Deposit in Personal Finance

Alliant Mobile Deposit

Anonymous — Tue, 12 Jul 2016 11:33:48 GMT

I would love to hear if anyone else has had difficulty with Alliant Mobile Deposit. I spoke with Alliant and they shared that they were overdue for an upgrade in terms of mobile deposit technology.

I've seen several concerns on their Facebook page of people taking clear photos of their check, only to have it go to review every time, and have a processing delay due to the image clarity and the need for a person to review it manually.

4 of the last 5 times I have completed a mobile deposit, it has gone to review. These are small amounts and I know it's due to the technology and photo image.

I have a new iPhone, keep the check image within the green boundaries, have the image very steady, and there still is an issue with the photo. I also use the slider to darken the image so that the numbers show up more clearly. CSR mentions that they have had a number of image capture issues and will be updating their technology.

When I view the image after the photo is taken, I can see all of the information clearly.

I love BECU because their mobile deposit works seamlessly and the credit to your account is instant. Works every time on the first try.

My BECU app takes the photo in color, and Alliant captures the image in black and white, so I don't know if that could be a factor.

I know that Alliant is supposed to have instant account credit as a nice feature, but mine seems to go to review status often when using mobile deposit.

Any thoughts? Thanks for your help.

Re: Alliant Mobile Deposit

Anonymous — Tue, 12 Jul 2016 11:22:14 GMT

That would be a concern for me. I make deposits like that all the time to my bank and it works like a charm. It is so convenient to use mobile deposit.

Re: Alliant Mobile Deposit

baller4life — Tue, 12 Jul 2016 12:25:36 GMT

How old is your account?

Re: Alliant Mobile Deposit

Anonymous — Tue, 12 Jul 2016 14:54:12 GMT

@baller4life wrote:
How old is your account?

Hi baller4,

Thanks for your reply! It's about two months old.

I did get the mobile deposit to go through one time without it going to review by re-taking the photo a few times, but have not been able to do so since. The deposits have been for very small amounts.

I took the photo for yesterday's deposit about 5 times and it went to review each time, so I gave up and just let it go to review. It would be nice to be able to use this feature, though.

Re: Alliant Mobile Deposit

minski — Tue, 12 Jul 2016 14:41:25 GMT

I too heard about the instant credit. My very first mobile deposit went into review. I just thought that that was because my account was so new (just in my first month).

I am switching my main banking from Citibank to Alliant, but I have to say that I really like Citibank's app far better which accounts for some of the misgivings I have about the switch.

Re: Alliant Mobile Deposit

Anonymous — Tue, 12 Jul 2016 14:57:21 GMT

@minski wrote:
I too heard about the instant credit. My very first mobile deposit went into review. I just thought that that was because my account was so new (just in my first month).

I am switching my main banking from Citibank to Alliant, but I have to say that I really like Citibank's app far better which accounts for some of the misgivings I have about the switch.

Thanks for your feedback, minski. That is so interesting - my first mobile deposit is actually the only one that didn't go to review!

I took the photo twice on my first one and it went in without review. Weird.

Re: Alliant Mobile Deposit

Anonymous — Tue, 12 Jul 2016 15:07:36 GMT

Just received a SM from Alliant in response to a question, and they said they are currently working on a new mobile application at this time, although they do not know when it will be completed.

Would love to have anyone's suggestions on how you have been successful in using the current app without having your items go to review.

Re: Alliant Mobile Deposit

baller4life — Tue, 12 Jul 2016 15:40:07 GMT

My deposits went to review first 30 days. After that they have been instant except for yesterday. My employer's first letter of his signature touched the top of the last two numbers of check acct number. So it went into review sincell computer couldn't clearly see it. I was able to call this morning and a human released it. Only trick I can suggest is make sure check is aligned inside BOTH sets of green borders. Front and back. I am very excited a new app is coming. Because the current one really does suck.

Re: Alliant Mobile Deposit

Anonymous — Tue, 12 Jul 2016 17:31:19 GMT

I noticed the reviews you speak of. I'm going to deposit checks at my local bank and just transfer them for now. Yeah not convenient, but I've not ever done mobile check deposit before yet so it's not a huge inconvenience Looking forward to the new app and no bank trips!

Re: Alliant Mobile Deposit

Anonymous — Tue, 12 Jul 2016 18:35:48 GMT

Completed a small mobile deposit yesterday into Alliant checking, and it went to review status instead of being deposited.

Just now deposited a small amount into savings, and it went to review. i hope they fix this soon.

Re: Alliant Mobile Deposit

Anonymous — Wed, 13 Jul 2016 04:48:24 GMT

Baller4Life's problem probably resulted in a MICR issue, (Mick-er) Magnetic Ink Character Recognition, where the reading of the numbers was interfered with, in this case, with pen ink. Happens with enough frequency when using check scanners. So "possibly" the issue in this case.

baller4life wrote:
My deposits went to review first 30 days. After that they have been instant except for yesterday. My employer's first letter of his signature touched the top of the last two numbers of check acct number. So it went into review sincell computer couldn't clearly see it. I was able to call this morning and a human released it. Only trick I can suggest is make sure check is aligned inside BOTH sets of green borders. Front and back. I am very excited a new app is coming. Because the current one really does suck.

Re: Alliant Mobile Deposit

Anonymous — Wed, 13 Jul 2016 05:18:38 GMT

@Anonymous wrote:

Baller4Life's problem probably resulted in a MICR issue, (Mick-er) Magnetic Ink Character Recognition, where the reading of the numbers was interfered with, in this case, with pen ink. Happens with enough frequency when using check scanners. So "possibly" the issue in this case.
.
baller4life wrote:
My deposits went to review first 30 days. After that they have been instant except for yesterday. My employer's first letter of his signature touched the top of the last two numbers of check acct number. So it went into review sincell computer couldn't clearly see it. I was able to call this morning and a human released it. Only trick I can suggest is make sure check is aligned inside BOTH sets of green borders. Front and back. I am very excited a new app is coming. Because the current one really does suck.

@humuhumunukunukuapua'a wrote:
.
@humuhumunukunukuapua'a wrote:

Unfortunately, I have tried re-taking the photo a number of times for each deposit and it still goes to review. Every time except the first time I did it. Very annoying.

All of the numbers were very clear and appeared on the photo as well.

I've never had a single problem with BECU mobile deposit working well, but Alliant's mobile deposit system sends it to review every time due to the photo. So it's definitely a system issue.

Will be very glad when they scrap their "outdated" system (their words, not mine) and get a new one.