Where do you handle that stuff? Doing them on a desktop seems like the same thing but less secure and less convenient, and sometimes with fewer features (mobile deposit from a laptop camera would be... awkward at best). Do you instead avoid using computers for things like banking?
[EDIT] FWIW I'm in the so-called "Oregon Trail" mini-generation, so have definitely lived in and remember a world far more low-tech and connected than the current one, was a very late smartphone adopter, and have only reluctantly and recently come to admit that my phone is basically the only really useful computer I own for my personal life, and the "real" computers are mostly just toys for me that, at best, can replace only part of my phone's useful-in-my-ordinary-life functionality, in its absence. A high-quality internet-connected sensor and I/O suite in a pocket-sized package is just too damn useful, I've found.
For banking specifically, I use the bank's website. I always prefer websites to apps, because they aren't tied to a particular platform or device. Mobile deposit isn't something I really need, though if I had to deal with a lot of paper checks I could see that being convenient.
I could lose my phone tomorrow and it would be a bit of an inconvenience but (by intention) nothing approaching "half my life" is tied to my phone.
> mobile deposit from a laptop camera would be... awkward at best
I was doing at-home deposits using a flatbed scanner and the bank's website (maybe a java applet?) before the iPhone was released. It wasn't too hard, assuming one had a flatbed scanner.
