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      06-02-2020, 07:55 AM   #1
bimmer456
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Mobile check deposit

How many of you use this? Looks like it deposits as fast as going to the bank now. Anyone who still does that is living under a rock especially in these challenging times.
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      06-02-2020, 08:12 AM   #2
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Use it all the time, a great time saver. But I wouldn't be surprised if banks started to charge a fee for this convenience. When ATM's were first introduced they were promoted as a great convenience for the customer and a money saver for the banks because they wouldn't need as many tellers. Then they realized they could charge for this convenience...
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      06-02-2020, 08:15 AM   #3
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You must not have kids that have been home for four months:
1) good excuse to go somewhere
2) drive thru bank
3) cool little canister that flies through a translucent tube
4) lollipop
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      06-02-2020, 08:18 AM   #4
kscarrol
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Oh they are home but at 19 and almost 21, the canister and tube at drive-up window have long lost it's appeal. Lollipops? They would rather go have a few beers (more likely White Claws!) with friends!
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      06-02-2020, 08:19 AM   #5
bimmer456
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Quote:
Originally Posted by kscarrol View Post
Use it all the time, a great time saver. But I wouldn't be surprised if banks started to charge a fee for this convenience. When ATM's were first introduced they were promoted as a great convenience for the customer and a money saver for the banks because they wouldn't need as many tellers. Then they realized they could charge for this convenience...
They don't charge us for ATM here.
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      06-02-2020, 08:20 AM   #6
bimmer456
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Quote:
Originally Posted by P1et View Post
You must not have kids that have been home for four months:
1) good excuse to go somewhere
2) drive thru bank
3) cool little canister that flies through a translucent tube
4) lollipop
I haven't seen the canister thing in years. The drive through just has electronic ATMs.
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      06-02-2020, 08:23 AM   #7
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Quote:
Originally Posted by bimmer456 View Post
They don't charge us for ATM here.
My own bank doesn't charge me but if I go to another bank's machine I get charged. Extremely rare that I get charged these days but it's still out.
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      06-02-2020, 08:48 AM   #8
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Quote:
Originally Posted by bimmer456 View Post
They don't charge us for ATM here.
yeah, and electricity comes from outlets.
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      06-02-2020, 09:25 AM   #9
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Check? That piece of paper you have to spend an eternity filling out? People still do that?

Lol talk about living under a rock. Electronic Funds Transfer people.
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      06-02-2020, 09:43 AM   #10
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Quote:
Originally Posted by kscarrol View Post
Quote:
Originally Posted by bimmer456 View Post
They don't charge us for ATM here.
My own bank doesn't charge me but if I go to another bank's machine I get charged. Extremely rare that I get charged these days but it's still out.
I actually don't get charged if I go to another banks atm anymore. My banks fee is waived and they refund me the other banks atm fee otherwise it costs $5.50 or more per transaction.
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      06-02-2020, 09:43 AM   #11
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^ Yup, have been doing this for years with WF. Also, I can't even remember the last time I wrote a check.
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      06-02-2020, 09:45 AM   #12
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Originally Posted by damnitBobby View Post
Check? That piece of paper you have to spend an eternity filling out? People still do that?

Lol talk about living under a rock. Electronic Funds Transfer people.
The last time I used a manual check someone stole it and washed it then forged it in their name and changed the amount. I had to report it and get a new bank account so all my linked ebills had to be transferred over and I had to get new credit cards. Real PITA.
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      06-02-2020, 12:09 PM   #13
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Unfortunately one of my main clients is old and only writes checks. So I was using the mobile check deposit thing all the time. Fortunately/unfortunately the checks are now just above the maximum deposit amount for mobile. So I have to go to the stupid machine every month to deposit his check. Which I don't understand, because I use the ATM to deposit which I'm sure does the exact same thing as the mobile deposit.

The tube I don't even remember how long it's been since I used that. Same with writing checks.
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      06-02-2020, 12:13 PM   #14
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Although I rarely receive physical checks anymore I always use the mobile deposit feature and love it.
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      06-02-2020, 12:17 PM   #15
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Banking in your bathrobe while drinking coffee is great!
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      06-02-2020, 12:19 PM   #16
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I use the mobile deposit thing on my phone all the time. Dunno why, but I won't deposit checks in the ATM. Weird right?

I did recently have to go to the bank, and waited for 2 hours in my car to use the drive up teller service because the lobbies are closed. THAT was a mess.
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      06-02-2020, 01:52 PM   #17
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i never use checks either, but i got a refund from my insurance in check form. tried using the mobile deposit thing but kept getting errors. i think its a problem with my banks app.

had to swing by the bank on my lunch break today. Used the canister thing... so cool.
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      06-02-2020, 01:57 PM   #18
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Yes, the only checks I am depositing are invariably a refund from the doctor's office or hospital which over charged me (for my diabetic son) and is refunding some portion of copay or I have met my deductible so the refund some portion of a a prior bill. It's not like I'm getting a bunch of personal checks in for stuff.
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      06-02-2020, 02:29 PM   #19
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I do all the time
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      06-02-2020, 02:30 PM   #20
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It is really a great feature of the mobile banking apps.
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      06-02-2020, 02:41 PM   #21
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Doing this forever. Who walks into a bank unless you need a real big cash withdrawal? On some occasions when i've done that (to pay for car services or parts FBI) i only see like poor or elderly folks.
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      06-02-2020, 02:43 PM   #22
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Last time I walked into my credit union it was to refinance my mortgage and that was three years ago.
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