Another bank is about to join USAA (post), WV United FCU  (post), and Randolph-Brooks FCU (post) in the smartphone-enabled deposit sphere. Royal Bank America, a $1.3 billion (asset) Philadelphia-area institution, is in final testing of its new deposit-taking iPhone app called RoyalRDC (iTunes link).

The new app appeared in Apple’s iTunes store on Monday, but currently the bank is accepting only beta testers (see screenshot below). The app, said to be coming “within weeks,” allows a check to be deposited within 30 seconds using any model iPhone.

The bank is currently promoting the benefits of remote deposit on its home page (see screenshot below). Not only can RDC users skip the trip to the branch, they have 2 additional hours to make a deposit for same-day credit (6 PM instead of 4 PM). That’s an enticing additional benefit nicely highlighted through the shaded-clock image below. 

Royal Bank America homepage (7 Jan. 2010)
Note: This is the homepage view after refreshing the page once; yellow highlight is mine.

Royal Bank call for beta testers (link)

Note: For more info on mobile banking on the iPhone, see our March Online Banking Report.