Abstract: A system and method of enabling mobile image capture of a check to be presented for cashing by a consumer to a check casher via a mobile smart device, net of fees, onto the consumer's access device such as a prepaid or stored value card. The consumer enters its credential information and transmits the information to a check casher through the computer network. Once verified, the consumer enters the check amount to be cashed, agrees to the check casher's fees, endorses the check, and captures a high resolution image of the front and back of the check. A high resolution image of the front and back sides of the check is transmitted to the check casher. If approved, the full check proceeds, less the agreed to check casher's fees, are loaded onto the consumer access device for immediate use.