Systems and methods for financial deposits by electronic message

A computer-readable medium comprising computer-readable instructions for depositing a negotiable instrument, comprising:

• instantiating an electronic instant messaging application at a depositor-owned device;
• establishing via an instant messaging protocol a communication session with a financial institution server via the electronic instant messaging application;
• providing user credentials to the financial institution server over the communications session via the instant messaging protocol by sending an instant message to a deposit instant messaging account via the electronic instant messaging application;
• verifying an account to which funds associated with the negotiable instrument are to be deposited;
• and communicating via the instant messaging protocol an image file containing an image of the negotiable instrument to the deposit instant messaging account using the electronic instant messaging application,
• wherein the image of the negotiable instrument is captured by the depositor-owned device.

A system for depositing a negotiable instrument, comprising:

• at least one system that instantiates an electronic instant messaging application at a depositor-owned device;
• at least one system that establishing via an instant messaging protocol a communication session with a financial institution server via the electronic instant messaging application;
• at least one system that provides user credentials to the financial institution server over the communications session via the instant messaging protocol by sending an instant message to a deposit instant messaging account via the electronic instant messaging application;
• at least one system that verifies an account to which funds associated with the negotiable instrument are to be deposited;
• and
• at least one system that communicates via the instant messaging protocol an image file containing an image of the negotiable instrument to the deposit instant messaging account using the electronic instant messaging application,
• wherein the image of the negotiable instrument is captured by the depositor-owned device.