[bimmer456]

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.

[kscarrol]

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...

[P1]

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

[kscarrol]

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!

[bimmer456]

Originally Posted by kscarrol

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.

[bimmer456]

Originally Posted by P1et

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.

[kscarrol]

Originally Posted by bimmer456

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.

[smyles]

Originally Posted by bimmer456

They don't charge us for ATM here.

yeah, and electricity comes from outlets.

[damnitBobby]

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.

[bimmer456]

Originally Posted by kscarrol

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.

[BimmerDimmer6]

^ Yup, have been doing this for years with WF. Also, I can't even remember the last time I wrote a check.

[bimmer456]

Originally Posted by damnitBobby

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.

[dreamingat30fps]

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.

[KennyFSU]

Although I rarely receive physical checks anymore I always use the mobile deposit feature and love it.

[tcphoto]

Banking in your bathrobe while drinking coffee is great!

[plutnicki]

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.

[Humdizzle]

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.

[kscarrol]

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.

[Kolyan2k]

I do all the time

[MurrayB]

It is really a great feature of the mobile banking apps.

[infinitekidM2C]

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.

[upstatedoc]

Last time I walked into my credit union it was to refinance my mortgage and that was three years ago.