(UPDATE: The feature launched for Android smartphones on Aug. 17.)

(UPDATE: As of 1 p.m. ET today, mobile deposit became available on the Bank of America app for iPhones. The feature still has not arrived on Android and Windows Phone devices.)

Many Bank of America customers with smartphones are still waiting for the much-anticipated update that is supposed to introduce mobile check deposit, a feature that mobile-banking customers have been yearning for over the past few years.

The bank has been unable to stay on track with its projected launch timeline for smartphone devices.

The updates for iPhones and Windows Phones was expected to arrive last Thursday while the Android smartphone update was slated for Monday. None of them have shown up in their respective mobile-application stores. Last week, a Bank of America spokesperson said that the timeline includes approximate launch dates and the app updates are subject to the approval process involved with the app stores.

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Apple, Google and Microsoft do not specify the amount of time it takes for approval (as each app may require a different review period). Apple’s app approval process may take weeks. Google says that apps should appear in Google Play within a few hours. In April, Microsoft said that the average app certification period was 2.6 business days.

Many Android smartphone users are also awaiting the update because the current version of Bank of America’s mobile app does not allow them to log in due to a bug.

BankAmeriDeals, the merchant-funded rewards program that lets customers load offers and discount onto their cards, is also expected to arrive in the same update.

Currently, the only Bank of America mobile application that has mobile check deposit is the iPad version, which was released July 26, one day after the expected July 25 launch date.

The iPad app garnered a slew of positive 5-star reviews on the Apple app store — most reviewers are happy for just the mere fact that mobile check deposit is available, while others are praising the seamless mobile deposit experience.

But, much of the hype revolving the feature’s launch is focused on smartphones.

“It’s great they have finally offered the electronic check-deposit feature in the [iPad] app. But where is the iPhone version that supports electronic check deposit?” said reviewer “Jammer888” in the Apple app store. “I don’t carry my iPad with me all the time, but I do carry my iPhone with me everywhere I go.”

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Simon Zhen

Simon is a research analyst for MyBankTracker. He is an expert on consumer banking products, bank innovations and financial technology.
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  • http://www.facebook.com/c.l.wilkins Chris Wilkins

    Still no WP7 and Android update. BoA is just lying to us at this point. IF they submitted these apps even a day later than when they said they’d go live, we’d already have them on both platforms. What a joke.

  • http://www.matthewdlyons.com/ matthewdlyons

    I’m chuckling because as much as I’d like to see the feature added (Android and iOS devices), it’s kind of funny that some people are hyperventilating over the delay. How many people actually get checks these days? Not a dig, just curious. I write about 10-20 checks over the course of a year, and I might receive two or three in that same timeframne.

    • http://www.mybanktracker.com Simon Zhen

      Personally, the novelty of the feature was a major reason for the demand (I’m with Chase). To think that I can deposit a check with my phone, when in the past I had to go to the ATM, was interesting.

      But, the hype does die down rather quickly because, like you said, paper checks are rare nowadays.

      • http://www.matthewdlyons.com/ matthewdlyons

        Agreed. Interestingly, the feature comes in quite handy with my ING account, because that bank has no brick & mortar locations or ATMs for deposits. Bank of Americas, in my area (DC), however, are about as ubiquitous as Starbucks.

        • http://www.facebook.com/c.l.wilkins Chris Wilkins

          About as ubiquitous, and because they have not fully rolled this feature out yet, always packed as well. I happen to receive paper checks, many many many businesses still operate this way and many more people than you’d think are still paid this way. Sitting in a line of 15 cars at the ATM to deposit a check on a Friday afternoon is about as fun as sitting in a packed Starbucks for a $4 cup of burnt coffee.

          • http://www.matthewdlyons.com/ matthewdlyons

            Ha! Touché.

  • http://www.facebook.com/c.l.wilkins Chris Wilkins

    Just an update here…. still no Android or Windows Phone versions.