Systems and methods for image monitoring of check during mobile deposit

A non-transitory computer-readable medium comprising computer-readable instructions for depositing a check that, when executed by a processor, cause the processor to:

• initialize a software object on a mobile device operated by a user, the software object configured to communicate with a camera;
• monitor an image of the check in a field of view of the camera with respect to a monitoring criterion using an image monitoring and capture module associated with the camera;
• capture the image of the check using the camera when the image of the check in the field of view passes the monitoring criterion;
• and
• transmit the image of the check from the mobile device to a deposit system configured to clear the check and deposit funds of the check into a deposit account of the user.

A system for depositing a check, comprising:

• a subsystem that receives at a server a request for access to a deposit system from a mobile device;
• a subsystem that receives, at the server from the mobile device, an image of the check in a field of view of a camera associated with the mobile device;
• a subsystem that monitors, at a computing device of the server, the image with respect to a monitoring criterion;
• a subsystem that provides instructions from the server to the mobile device to create a digital image of the check when the image passes the monitoring criterion;
• a subsystem that receives the digital image at the server from the mobile device;
• a subsystem that processes the digital image at a check processing module of the server;
• and
• a subsystem that deposits funds of the check into an account associated with the deposit system using the processed digital image and a check clearance module of the server.