[Bonanza]

[QUOTE=sunnyatlast;1002018]All our neighbors use internet and email, and probably 90% have iPhones they use with proficiency. With the smartphone, we no longer go to the bank to deposit checks.

The mobile deposit using the banks' phone app with the camera shot of the check front and endorsed back, and then the system reading the bank routing number and account number directly from the photo gets the deposit in, 24/7, and is done in about a minute.

The new bank offers these hospitality services knowing that the number of people who go to a bank in person is dwindling.

Yes, most people today do use the Internet for many things, but the 90% of which you speak is an exaggeration. While many do have an iphone, many older people do not even have an android phone and don't want to be bothered with learning how to use one. It's more than they need and more than they want. They don't want one because many only have a phone for a safety or emergency reason.

While some people are using their phone to make a deposit, those who do are still very much in the minority. The fact that it may be done in a minute, is beside the point (and it takes more than a minute). The fact that you may do it is beside the point. Most people don't and if you stand in a bank for a few minutes, you will see customers standing in line and at the drive-up window making a deposit.

Furthermore, your statement that "the new bank offers these hospitality services knowing that the number of people who go to a bank in person is dwindling." is absolutely 100% not true. The bank is offering their customers a service --a service which no other bank has or offers. Banks may be seeing a slight decline in persons going to a bank, but by the sheer fact that their tellers and bank representatives haven't decreased blies that statement.