We have seen an increase of duplicate presentments due to mobile and ATM image deposits. Payees deposit their checks using mobile or ATM and later taking the paper item to a check cashing place. Sometimes we receive both items on the same day and return the mobile item if we can determine the difference. Recently, an item was negotiated twice as a mobile deposit. We received both on the same day. We paid one and returned the other one as "already paid". The next week, we received the same item but it was cashed at a grocery store so they obviously had the paper item. We returned it as "already paid".

Before mobile deposits, duplicate presentments were usually bank errors and we've always paid the first presentment and returned the 2nd, 3rd, etc.

Just wondering if others have experienced the same problem and how you are handling it. I appreciate any input.

If these are customers of yours, this is usually a one and done situation. Close the account or immediate revoke their mobile or ATM deposit capabilities. Most banks opt to close the account for abuse.

And if the dollar amount is enough consider filing a SAR.

Does your core system not have the ability to recognize if an item has been presented twice? Some of this would depend on time of presentment, for instance if the mobile deposit was presented first, we would accept it and if the same item was presented at a teller line later in the day, the teller item would not be processed.

We require our mobile deposit customers, in addition to endorsing their name, they have to put XXX Bank Remote Deposit. If it's not on there we reject the mobile deposit immediately. That should alert others when they see the paper item that it's already been deposited. (That is if they look at endorsements

If they are checks drawn off of our clients, we return one of the presentments since the payee deposited it twice.
If it's our client making the multiple deposits, we notify the account officer the first time and ask that they remind the client that we reserve the right to revoke their mobile privileges. Most of the time it's an honest mistake, they forgot to destroy the check after a period of time and then found it later and didn't think it was deposited.
I tried to push for a "For mobile deposit" requirement but it got shot down.

We require the customer include "For Mobile Deposit Only" in their endorsement that way our tellers will know if they already tried to deposit the check through our mobile deposit. We also have a very strict policy that if the checks are not properly endorsed with all of our requirements that we will reject the deposit. So if they do not include for mobile deposit only, we will reject the check. We have our tellers and bankers stressing the need to properly endorse the checks when they are promoting mobile deposit.