CAP COM, the $972 million federal credit union based in Albany, N.Y., has announced that it has won substantial member adoption of its recently introduced mobile remote deposit capture app that lets members who own an iPhone or Android snap an image of a check and deposit the item electronically.

Corrie Jayne Foust, manager of electronic services at the 96,000-member institution, said that in the first two weeks after the apps' debut on Oct. 15, 1,000 members had downloaded it and, collectively, they had deposited 700 items totaling more than $200,000.

Forty-four percent of the members who had downloaded the app and enrolled in the CAP COM service had in fact made a mobile remote deposit in the first two weeks the app was out.

Foust elaborated that marketing of the service – built into an app developed for the credit union by ProfitStars and centered on image software from Mitek Systems – has been minimal. Pent up member demand has apparently been so strong that they have been finding the app on their own.

The CAP COM mobile RDC requires a separate app; it is not built into the credit union's existing mobile banking app.  Despite that, said Foust, demand has remained brisk.

“We have been delightfully surprised,” she said.

CAP COM imposes no fees on members for using mobile RDC. 

Foust added that, thus far, problems and issues encountered by members have been scarce.  “We did exhaustive preparation before rolling this out,” she added.