When Texas bank USAA introduced mobile remote deposit capture in 2009, nobody knew how big the tool would get and how fast. But ask credit union mobile banking experts today for the defining moment in the niche’s brief history and all signs may point to MRDC.

That’s because the mobile tool potentially lets users do something they could not do quickly or easily with online banking, some insiders say. For now, deposits via MRDC are bigger than deposits at ATMs. A growing number of financial institutions are on the prowl for the new tool that may bring in that next big wave of mobile banking users with some of the larger ones leading the way.

“We already see more money coming in through MRDC,” said Christopher Owens, mobile product manager at the $4.1 billion Pennsylvania State Employees Credit Union in Harrisburg, Pa.

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