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When I banked with Bank of America, I deposited my checks at ATMs. It's gotten even easier now that they have ATMs that scan your check and record the amount automatically, but it was no big deal back when I had to write on the envelope. I also did a couple of deposits by mail when I was living for the summer in an area with no branches.

Now I have a checking account through Fidelity Investments, and essentially all my banking is handled online. They send me deposit slips and postage-paid envelopes, and I send them checks in the mail. If I needed a check deposited right away, I could take it to a brokerage office, but in practice I've never done that.

This isn't to say that branches aren't useful for lots of bank customers, but personally I have limited need for branch banking.

by Josh B on Aug 18, 2009 1:46 pm • link • report

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