How do you scan a check on your PC?
Generally yes the apps tend to be easier to use for most things, especially with a high-speed internet connection. Customers prefer them, banks build them since customers prefer them.
Generally yes the apps tend to be easier to use for most things, especially with a high-speed internet connection. Customers prefer them, banks build them since customers prefer them.
If you don't have a scanner, nearly all laptops have a webcam built in, and many people have one for their desktop as well.
On top of all that, there's no reason you can't use your smartphone camera to upload an image into a website through the mobile browser. I've done it many times for things. Just this morning I "scanned" a receipt into Ramp by taking a picture with my smartphone in the mobile browser.
You can't invade the user's privacy nearly as well in a browser (which is great for analytics/marketing), so there's a lot of incentive to the app creator to force a mobile app. But I think we should be honest that it's not for the user, it's for the company.
The quality of the check images is not as big of a deal as you might think. No one is actually inspecting these unless the amount of deposit is near a limit or the account is flagged for suspicious activity. You definitely do not want to throw away the physical copy until the bank confirms the deposit.
You're basically the only person in America doing this. Tens of millions of folks are just scanning it with the app on their phone and it's objectively a much better experience lol. The resolution of the photo taken on your smartphone is beyond good enough, there's no need to over-engineer something here.
> You can't invade the user's privacy nearly as well in a browser (which is great for analytics/marketing), so there's a lot of incentive to the app creator to force a mobile app. But I think we should be honest that it's not for the user, it's for the company.
I agree with your first sentence, but not your second one.
Banking applications can certainly get more/different data on you from using the app, but the job of the bank is to protect money and to know their customer. Privacy is secondary, of course outside of things like other people knowing your account balance, unauthorized access, &c. That's for the bank, because they don't want to lose your money, but it's also for you because you don't want other people getting access to your money.
(I'm guessing you are because in the USA they spell it check, not cheque.)
I asked because the USA still seems to be stubbornly check-focused.
Everything else allowed either credit card or direct debit on top of allowing checks.
I do find the money transfer options where I am in Europe much easier, though, and they do make checks and PayPal/Zelle/Venmo pretty obsolete too, IMO.
But in the US, there's probably a general expectation that you can send or receive checks at least now and then. There are often other options but that's probably the lowest friction one even if my bank can send checks if needed, albeit with some delay.
Landlords, IME, insist on a physical check for the first payment. I think they're performing some sort of blood ritual with it in the back of the office. After the sacrifice is complete, though, they'll switch to ACH.
The only other place I've ever had to use checks is for large purchases, where the amount exceeds that which cards are capable of. Even these would be pretty rare for most people, since there's a likelihood you would finance a large purchase with a loan instead.
credit card: - often extra fees or minimums for nontrivial expenses - privacy of course
direct debit: - payee gains ability to debit any amount, and while resolution plays out, you are stuck with the consequences - limited ability to cease payments
check: - fixed payment amount; violating this would be clear fraud not attributable to "mistakes" that can happen with DD
I wonder if you can use a webcam?