On the other hand... I use an online-only bank (Ally) that hasn't enabled phone deposits yet. I've found the Chase app to be pretty lenient about what it accepts (except for the $2k/day limit). I tried to switch to USAA but found out only vets can use the phone deposit.

The Chase phone deposit app is so convenient for me, even given that I live in NYC where I pass 5 Chase ATMs per day, that I keep an account open with a minimum in it to avoid fees, just so I can use the phone deposit app.

Yes, the ATM deposit might be more convenient, when there are no lines, and the ATM isn't broken, and when I actually have a Chase ATM card, which I don't because I don't use them as my regular bank. If you're trying to min/max your banking experience then the Chase app is pretty nice to use as a funnel for money to other accounts.