Another interesting note is that average values of Malauzai's Picture Pay, which allows users to pay a bill simply by snapping a photo of it with a mobile device, have surpassed traditional bill pay's average values.

Here are the findings:

• The average value of a mobile check deposit was $598.50. The highest average for consumer deposits was $15,554. The second highest average was $12,744 (the business high was $22,450). Three percent of financial institutions had deposit averages greater than $3,000. Twelve percent had an average value of $1,000 or greater, and $167 was the lowest average deposit value. Four percent had an average deposit value below $250.
• Internal transfers' average value also varied across institutions. The average value in August was $507 and end-users made an average of four transfers per month. The highest average consumer internal transfer was $3,856. The highest average business internal transfer was $90,103. Three percent of financial institutions had an average transfer value greater than $2,000. The lowest average transfer overall was $119. Four percent had transfer averages of less than $200.
• The average value of Picture Pay varied less across financial institutions. The average value in August was $366. The highest average value was $1,448; the second highest was $804. No other financial institutions were above $600, with the next highest average coming in at $582. The lowest average value was $59.77. More interesting than the variance among financial institutions was the difference by platform for average value: Android = $236, iPhone = $317, iPad = $364, WebApps (internet banking desktop apps) = $470.
• The average value of traditional bill pay was $308, which was lower than Picture Bill Pay. As with Picture Bill Pay, there was not a wide variance when comparing averages across financial institutions. The highest value was $692 and the lowest was $141.