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My credit union's app was very frustrating for depositing checks. Many reviews online said so, but apparently were ignored. So for a while I would go to an indoor ATM when I got a paper check which is not that often.

Then I had an idea - I got a piece of black construction paper for a background and it was much happier taking pictures of checks on that.

> Seems broadly less convenient than online

How are you paying cash online at all?

I don't have a deposit banking relationship with any brick-and-mortar banks, so for me it's very convenient: I have a way to turn my paper money into electronic money.