Mobile services remote deposit capture

A method of performing a remote deposit using a mobile device, the method comprising:

• storing, on the mobile device of a user, a unique personal account identifier associated with a mobile account of the user;
• obtaining, by the mobile device via a mobile application executing on the mobile device, one or more user accounts of the user associated with the unique personal account identifier, wherein the unique personal account identifier is linked with the one or more user accounts to enable payment to any of the one or more user accounts with the mobile device based on the unique personal account identifier;
• receiving, by the mobile device via the mobile application, a selection of the remote deposit as a transaction type and a first user account;
• communicating in a first message format the selection of the remote deposit and the first user account associated to a processing server;
• receiving, by the mobile device from the processing server, a prompt to capture an image of a check based on determining that the first user account is capable of being used in processing the remote deposit;
• capturing the image of the check on the mobile device;
• verifying, using an image module of the mobile device, that an image quality of the image conforms to a predefined image quality standard for processing the remote deposit;
• generating an image capture element from the image based on verifying the image quality, wherein the image capture element includes a verification status of the image;
• generating, by the mobile device, a transaction request message that incorporates the image and the image capture element;
• and
• transmitting the transaction request message to the processing server, wherein the remote deposit is processed in real-time to the first user account managed by a financial institution based on the image and the image capture element.