Both Discover and Capital One make it simple to deposit paper checks. Both use a mobile app that allows you to easily track your spending, transfer money, and deposit paper checks. These are Discover's exclusive features, which are just a few of the many features available to their customers. All Mobile Deposits are FDIC insured up to the same amount as any other deposit into your account. Mobile Deposit is a free service that allows you to deposit checks into Capital One & Discover eligible checking and savings accounts.