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Comment by RussianCow | Hacker News Reader

> Also why do you need bank app on your phone?

Many banks gate features like mobile check deposit behind the native app. The nearest ATM is 20 minutes away from my house, so unfortunately I consider this feature essential.

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How often are you still receiving physical cheques that mobile deposit is an essential feature? I could probably count on one hand the number of cheques I've deposited or written in the past ~15 years, nor can I say I've been so desperate to access said money that I feel the need to deposit the cheque within moments of receiving it.

Checks are still common in the good ole USA.

Common? maybe for seniors. I probably handle a physical check once a year.

My health insurance company sends reimbursement as paper cheques in the mail, so I get multiple cheques per year. Some landlords still aren't recieving rent any other way than by cash or cheque. Happy for your chequeless existence tho!

Until i moved a few years ago i paid every month's rent with a paper check for 12 straight years as that's what my landlord demanded

At least 3 times a month. I have a rental property and my tenant prefers to mail a check instead of paying extra to pay electronically. My spouse gets paid by check for dumb reasons I won't get into. I sometimes get dividends from my insurance company via check. And then several family members still prefer to use checks to pay each other back instead of Venmo or other electronic services.

I blame it on the fact that the US doesn't have a free electronic bank transfer system like the rest of the developed world.

Carry a second cheap smartphone, like Pixel -a series or iPhone -SE. That one should be used for banking, government apps, for border inspections, etc. On your main GrapheneOS phone your financial app should be a Bitcoin wallet. The main phone should be off or in the BFU state when you are in a vulnerable situation.

Interesting, I never saw a bank check. The companies typically transfer money directly into the account, and there are P2P transfers by a phone number working between any major banks. So I guess.. I do not need this feature.

Two cases when I've received a bank check without being able to choose an alternative: 1) as payment of proceeds in a class-action lawsuit; 2) when I got a refund from my insurance provider after changing the terms.

These might not be very common, but they're still not really rare in society either.

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