12-21-2018 09:52 AM
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  1. Gator352's Avatar
    Hey guys, I got a question. I use Insight Financial with the provided app to deposit checks using the camera. It works flawlessly If I use my daughters hTc One, my brothers Moto X, my old OG EVO (on wifi), and my old Photon 4G (on wifi). But if I use my Note 3, my wife's S4, or my dads Note 2 it doesn't work. They just won't focus correctly so my bank refuses to accept the deposit. This is every time and with great lighting.

    If any of you that deposit checks using this method, is there a setting in the camera app that I'm unaware of that's preventing this? I've tried setting the resolution down along with many other settings to no avail and just can't seem to get it to work on my Samsung devices. Any suggestions?
    12-16-2013 05:00 AM
  2. mrsmumbles's Avatar
    I don't know if this applies to this issue but I read about someplace... Make the camera draw back from the check to that the check will look smaller in the lens. It could be that edges of the check aren't being picked up.

    Sent from my LG870 via Tapatalk 2
    12-16-2013 05:46 AM
  3. anon8126715's Avatar
    It depends on each individual App. I can actually focus on the check when using my App. What happens when you touch the screen (away from the button to snap the pic) somewhere on the check itself? When I click on the image, it'll bring the item into focus.
    JellyBeanGurl likes this.
    12-16-2013 08:27 AM
  4. zmann's Avatar
    I use bank of America app and deposit about 15 checks per week with no issues

    THE BEAST,,NOTE 3. SIZE IS EVERYTHING!!!
    12-16-2013 08:35 AM
  5. JellyBeanGurl's Avatar
    I use bank of America app and deposit about 15 checks per week with no issues

    THE BEAST,,NOTE 3. SIZE IS EVERYTHING!!!
    It's not about you whether you have issues or not. Lol
    He's asking what can he do.
    Each bank is different and some are pickier than others.

    Sent From My Samsung Note 3 using Tapatalk
    12-16-2013 08:51 AM
  6. jettie1767's Avatar
    I have Chase and use the app to deposit checks often with no issues.
    12-16-2013 10:08 AM
  7. anon(1733)'s Avatar
    Yeah its gotta be the app is having issues with the phone. I use bank of America with no issues as well.

    Rockin my Note 3
    12-16-2013 10:27 AM
  8. Deke218's Avatar
    Contact the developer. Sounds like they haven't optimized the app for Samsung Galaxy devices.

    moneycoach@insightcreditunion.com
    12-16-2013 10:49 AM
  9. zmann's Avatar
    It's not about you whether you have issues or not. Lol
    He's asking what can he do.
    Each bank is different and some are pickier than others.

    Sent From My Samsung Note 3 using Tapatalk
    The post before me mentioned it depends on the individual app. I was chiming in to say this other app works fine with deposits. If it's were the op I would have read that comment and maube said to myself "hmm,, maybe it's this app and not the phone". Fyi



    THE BEAST,,NOTE 3. SIZE IS EVERYTHING!!!
    12-16-2013 10:51 AM
  10. anon8126715's Avatar
    It's not about you whether you have issues or not. Lol
    He's asking what can he do.
    Each bank is different and some are pickier than others.

    Sent From My Samsung Note 3 using Tapatalk
    The post before me mentioned it depends on the individual app. I was chiming in to say this other app works fine with deposits. If it's were the op I would have read that comment and maube said to myself "hmm,, maybe it's this app and not the phone". Fyi



    THE BEAST,,NOTE 3. SIZE IS EVERYTHING!!!
    You two simmer down now....

    As far as the banks go, having worked for Chase many years ago, the criteria for accepting check images is a government standard for the most part. My old HTC Rezound used to have trouble with my old ING banking app. Exact same issue, the app would refuse to focus on the check and thus the check image would be rejected. I think it took about 3-4 months before they finally updated the app so that it would work correctly.
    JellyBeanGurl likes this.
    12-16-2013 11:17 AM
  11. Gator352's Avatar
    I don't know if this applies to this issue but I read about someplace... Make the camera draw back from the check to that the check will look smaller in the lens. It could be that edges of the check aren't being picked up.

    Sent from my LG870 via Tapatalk 2
    Tried that. It does focus better but the app then says "Can't read account numbers".

    It depends on each individual App. I can actually focus on the check when using my App. What happens when you touch the screen (away from the button to snap the pic) somewhere on the check itself? When I click on the image, it'll bring the item into focus.
    This app doesn't manually focus, on any of my devices...only focus's after you snap the pic. Works on every phone except my Galaxy devices. If I click on the check itself, nothing happens.

    I use bank of America app and deposit about 15 checks per week with no issues

    THE BEAST,,NOTE 3. SIZE IS EVERYTHING!!!
    Lucky!
    mrsmumbles likes this.
    12-16-2013 04:38 PM
  12. Gator352's Avatar
    Contact the developer. Sounds like they haven't optimized the app for Samsung Galaxy devices.

    moneycoach@insightcreditunion.com
    Great Idea!

    *update*

    Closed of coarse. I'll email them.
    12-16-2013 04:40 PM
  13. Gator352's Avatar
    Just curious, is there an app that one could use (other than the actual bank app) to deposit checks??
    12-16-2013 04:44 PM
  14. anon8126715's Avatar
    Tried that. It does focus better but the app then says "Can't read account numbers".



    This app doesn't manually focus, on any of my devices...only focus's after you snap the pic. Works on every phone except my Galaxy devices. If I click on the check itself, nothing happens.



    Lucky!
    Let the developer know that it doesn't allow the focus to take place. Also, does your app show the camera viewfinder on the phone in landscape or portrait mode? What does it do when you change the screen orientation? I think I recall my Rezound working if I'd let the viewfinder switch to portrait mode and just moved the check so it stood taller than wider.
    mrsmumbles likes this.
    12-16-2013 04:46 PM
  15. Gator352's Avatar
    Let the developer know that it doesn't allow the focus to take place. Also, does your app show the camera viewfinder on the phone in landscape or portrait mode? What does it do when you change the screen orientation? I think I recall my Rezound working if I'd let the viewfinder switch to portrait mode and just moved the check so it stood taller than wider.
    I'll notify the developer in a few. The view is landscape only, it never goes to portrait. It's just frustrating because I get my Cell use check every month in the morning. I never get anywhere near my bank during the day to deposit it so it's a major convenience to deposit right there instead of waiting till I get home. If I wait till I get home, it doesn't post till the next day and sometimes....SOMETIMES...I need it then, not the next day
    mrsmumbles likes this.
    12-16-2013 04:55 PM
  16. Dharma Jairam's Avatar
    I have had the same problem. I use PNC bank and I tried several times. I even deleted and reinstalled the app. Sadly...The only thing that worked was using my wife's iPhone

    Posted via Android Central App
    12-17-2013 03:42 PM
  17. anon8126715's Avatar
    What they should let you do is take a picture with just the camera's app and then have you select the image file from the camera's gallery. But just like a typical bank, I'm guessing they want full control of how they handle YOUR money....
    12-17-2013 03:51 PM
  18. jnadzam455's Avatar
    Has anyone had success with using the HTC One camera to deposit PNC Mobile or Virtual Wallet checks? Mine won't work and I have talked to tech support with no success. They said they are elevating the ticket to try and come up with a solution. I've tried changing many settings and put on different backgrounds but nothing seems to work. It just goes out of focus or it will take a "somewhat ok" picture and just fail when I try to submit. My wife's HTC Evo is flawless and works first time every time. If you have success with your HTC One let me know so I can try to copy your camera settings into my phone. Thanks.
    02-01-2014 08:33 AM
  19. Scavengergirl's Avatar
    I'm unable to deposit checks using the Discover Mobile Banking app on my Samsung Galaxy S 4G Relay because of poor image quality. Normally the app doesn't even acknowledge an image, just freezes the screen for a very long moment (with a crystal clear image of the check visible) then goes back to the live image without saving the captured image.

    Now, if I take a photo in complete darkness, the flash gets triggered & the app actually recognizes that a photo has been taken and even allows me to submit the deposit, but then rejects it because of the image quality, which is terrible. I have yet to get it to work.

    What I do instead is open my other mobile banking app (from a local credit union), deposit the check there (using the same phone, same camera) and then transfer funds from that bank to my Discover account. Works every time. Wish my credit union would just give me a decent interest rate so I could just leave the cash there!

    I've reinstalled the Discover app a few times, uninstalled any extra photo software & updated the original camera software but still can't use the Discover app for deposits. I don't think I can blame the camera hardware since one banking app works perfectly.
    06-05-2014 02:00 PM
  20. zmann's Avatar
    I use bank of America app and deposit about 2 to 4 checks per day with my note 3 and it's flawless.

    Note 3 SIZE IS EVERYTHING
    06-05-2014 02:51 PM
  21. bentzy klein's Avatar
    The trick to making deposits with the new Samsung Galaxy S5 is to raise the phone about 10" for the check to look a bit smaller and it should work. I had this problem with Bank of America and it work fine by me with lifting the phone up.

    They say that the reason for the image not being recognized is because the phone is automatically cropping the photo and it doesn't appear as good on the Bank server. I've spoken to many Bank's and they told me that they have this problem with the Samsung Galaxy S5 and are working on an update.
    09-12-2014 11:30 AM
  22. jhulswit's Avatar
    I have a Note4 and a Galaxy S5 and both take amazing clear pictures however, I'm having hell of a time with the PNC Check Deposit
    function as the camera gets this lousy blurry image. After fumbling around with the 'Display' settings, I found that switching the 'Screen Mode' to AMOLED cinema makes the damn camera finally focus. You have to wait a second, but it will finally focus clearly enough to take the snapshot.
    I was able to deposit my check!
    mpower9 likes this.
    07-01-2015 09:38 AM
  23. jhulswit's Avatar
    After fumbling around with the 'Display' settings, I found that switching the 'Screen Mode' to AMOLED cinema makes the damn camera finally focus.
    mpower9 and equalunique like this.
    07-01-2015 09:43 AM
  24. sleerf's Avatar
    Well, I'm on my 3rd galaxy that has this problem. The front side of the check is rarely a problem. The back side actually focuses and then DE-focuses right as it takes the pic. I had this problem on my S4, S5, and now a Note 4. I have 3 different bank accounts I do this with - Bank of America, US Bank, and First Financial (a small regional bank). I'm a photographer by trade so I really do know how to use the camera and it's not user error. It's not getting the edge of the check outside the box. It's not uneven lighting. I've even gone as far as using a ring-light just to test it.

    I don't know what it is but I do know that it's BIZARRE. I have found that at least for the back of the checks, the result is better if you put the endorsement on the button end of the camera and tilt the camera slightly so that the endorsement is slightly further away than the other end.

    The phones use contrast detection for AF and when all you have is an endorsement on the back and everything else is faint, you would think it would focus really well. My only working hypothesis is that the watermarking may cause an aliasing issue at the resolution of these cameras. I know the resolution on the S4, Sr, and note are pretty high but my S3 was only 8MP and didn't have the problem. I'd be curious as to whether or not some of the phones that don't have this problem either have lower resolution or have some sort of low-pass AA filter built in. I might experiment with this if I have the time.
    I'm sure the checks themselves play a part as well. If my hypothesis is right, then the checks that focus better have either less watermarking, patterns that aren't prone to aliasing, or designs on them that outweigh the aliasing.
    08-26-2015 12:25 AM
  25. Rukbat's Avatar
    Good explanation from the photographic viewpoint. I just use a contrasting background to make the check itself high-contrast, and it seems to focus fine. (I have the camera app I use - FV5 - set to spot focus, so maybe the camera stays in that mode when the check deposit app runs? I don't know. But I prefer choosing what to focus on and not let the camera decide. (I've been doing that since the days I only had a Voigtlander Brilliant TLR.)
    08-27-2015 02:01 AM
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