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Increasingly, banks’ apps allow a customer to take a picture of a check — both sides, please — and remotely deposit it into a bank account.
U.S. Bank is putting the camera to work for bills, too.
Bill-paying features in bank apps generally require the customer to set up each biller by typing in key information such as whom to pay and the customer’s billing account number.
U.S. Bank’s add-a-biller feature does all that from the smartphone’s photograph of the bill. The bank recently went a step further. Its latest app feature uses that photograph of a bill to set up and make the payment.
Commerce built its first banking app in-house and has been letting customers find them rather than promote them actively. It launched an app for iPhones last summer, and its Android version began early this year.
“We don’t rush products or services to our customers until we’re sure that it will offer the best experience that our customers expect,” said Cindy Tetrault, website and online banking manager at Commerce.
Customers are responding. Mobile apps are one reason Commerce has customers in all 50 states, though its branch network is limited to six Midwestern states.
Commerce said it is seeing fewer visits to its branches, but Commerce customers bank more than ever, thanks to online and mobile banking.
“We’re looking right now at our next generation of mobile apps,” Tetrault said.