Systems and methods for remote deposit of checks

A method of facilitating remotely depositing funds into a user's account via Internet-based communication without using an Automatic Teller Machine (ATM), comprising:

• coordinating with a remote deposit application on a customer-controlled device to facilitate a deposit procedure including capturing, via a camera associated with the customer-controlled device, at least one electronic image of a check;
• validating authentication data provided via the customer-controlled device;
• receiving into a bank's computing system, via the customer-controlled device and the Internet-based communication:
• an electronic identification of an account for receipt of a value associated with the check and an electronic indication of the value associated with the check, and the at least one electronic image of the check;
• determining whether the check was previously deposited using the at least one electronic image of the check;
• and
• after validating the authentication data, triggering a deposit of the value to the account via the bank's computing system unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited.

A system for facilitating remote deposit of funds into a user's account via Internet-based communication without using an Automatic Teller Machine (ATM), comprising:

• one or more processors;
• communication circuitry configured to receive data from a user-owned device, wherein the data comprises electronic image data for a check;
• and
• one or more tangible, non-transitory machine-readable media comprising processor-executable instructions, that when executed by the one or more processors cause the one or more processors to:
• authenticate interaction with the user-owned device based on authentication data received from the user-owned device via the communication circuitry;
• accept or determine amount data indicative of an amount of the check from the user-owned device via the communication circuitry;
• accept or determine account data identifying an account for receipt of the amount of the check from the user-owned device via the communication circuitry;
• accept at least one electronic image of the check from the user-owned device via the communication circuitry;
• determine whether the check was previously deposited using the at least one electronic image of the check;
• and
• activate updating of the account to reflect a deposit of the amount into the account unless the bank's computing system determines from the at least one electronic image of the check that the check was previously deposited.