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Today I Deposited a Check With My iPhone

Illustration for article titled Today I Deposited a Check With My iPhone

I spent thirty minutes driving to an ATM yesterday to deposit a check. I could have stayed at home, if only I'd known my iPhone can now let me deposit checks.

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Apparently sometime in June the Chase iPhone App added functionality that lets you deposit a check by taking a snapshot of the front and back. It works well enough, even if doesn't seem to want to use the touch-to-focus features of the iPhone. (It does wait until it thinks it has a clear shot before taking the snap, not unlike those apps designed to give you a clean shot in low light.)

There are limitations. You can only deposit up to a thousand dollars in a day and only three-thousand dollars in a month, so depending on how your paycheck comes in it might not be possible to the app instead of going to a bank.

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Still. I deposited a check with my phone! There's something very satisfying about actually doing something that we've known should be possible for a long time, even if it's stripped of its zazz just a bit by the quotidian nature of actually holding the crumpled check in an unsteady hand.

(An aside: Chase is a horrible bank. I've actually started moving most of my money into a credit union account, but I've kept Chase around for the moment because for all its terrible, unfortunate, customer-last policies, I feel like it's good to have a backup bank that has outlets in nearly every city. Maybe that's naive!)

UPDATE: Looks like Joel wasn't the one person to deposit a check via an app this week. Over $100,000 checks were banked this way, using PayPal's latest version.

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DISCUSSION

Cool...another excuse for people to just stay home and not go out at all.

We watch movies online (no theaters needed), meet friends online (facebook, myspace, twitter, etc), buy grocery online (lot of websites for this), work from home (a lot of us can), play games (PS3, Wii, XBOX, iPod), pay bills online, eat food from anywhere at home ([www.grubhub.com),] workout at home (have gym machines delivered), shop for clothes online (if you want any while staying at home), you can even date online (webcam, phone) and now deposit checks sitting at home (you could always mail checks but who wants to go to USPS/Fedex/UPS).

One last thing left is get cash from an ATM...well you won't need that sitting all by yourself at home, right?