alt Hacker NewsI don’t use a bank with a phone. What do you do with it?
(One exception, I used to scan checks five years ago, but thankfully that finally ended.)
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monomial • today at 1:36 AM
Same. I have a very old iPhone stuck on an old version of iOS that's incompatible with most apps these days. In the rare case I need to deposit a check there are banks like Ally that don't have physical branch locations but still let you deposit checks via their website.
I'm curious what people need a bank app for.
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Some banks require an app for pretty much everything other than retrieving cash from an ATM, because they don't have a web app anymore:
1. Transfer money to another account. The alternative is to waste half a PTO to go to the actual bank (because they only open at working hours) to make that transfer.
2. Make an online payment. Most new cards no longer have a CVV (3 digit code) and instead require you to use the app to get a dynamic number. Many banks do not offer that option in their web app.
3. Forced 2fa for in-person payments with your card.
Today it's still possible to workaround many of these issues but they're closing these workarounds little by little.