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Resolved Depositing a check via smartphone to checking acct

Discussion in 'Mobile Devices' started by psaulm119, 2020/09/21.

  1. 2020/09/21
    psaulm119 Lifetime Subscription

    psaulm119 Geek Member Thread Starter

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    I just got a new checking account, and like the Droid app that lets me take a pic of the check & deposit it online.

    Someone told me (famous last words) that someone can hack into your phone and get the pics of the checks. Is this a legit security threat? I'm not concerned about it being taken from me physically--I can lock it--but as far as a hacker wirelessly--is that possible?
     
    psaulm119,
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  2. 2020/09/22
    Steve R Jones

    Steve R Jones SuperGeek Staff

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    Pretty much anything is possible now a days.... And a lot depends on if the phone is protected or not.

    In your example - in theory - the check that YOUR phone sends to YOUR bank will get credit first. If another person tries to submit the same information - the original bank should catch it and say "WAIT A MINUTE.... Paul has already deposited the check."
     
    Steve R Jones,
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  4. 2020/09/22
    psaulm119 Lifetime Subscription

    psaulm119 Geek Member Thread Starter

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    I did get the app from google play, and it is legit; when I log in on my laptop I see the same info.

    The article you linked to suggested 2FA. I just checked and the app didn't have an option for that. Although, I'm not sure what 2FA would look like when logging in on a phone. Isn't the phone itself the second factor?
     
    psaulm119,
    #3
  5. 2020/09/22
    MrBill

    MrBill SuperGeek WindowsBBS Team Member

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    I agree with Steve here. But if you have doubts still, send me the check and I will deposit it in my account and let you know how I spent the money. :rolleyes:o_O
     
    MrBill,
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  6. 2020/09/22
    retiredlearner

    retiredlearner SuperGeek WindowsBBS Team Member

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    What are "checks" ?
    We used to use Cheques but Banks in NZ are not accepting them any more.
    You can't get a book of cheques from banks period.
    We use Internet Banking - all electronic transfers and card payments and we carry very little cash these days.
     
    retiredlearner,
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