As a freelance writer, I receive most of the payments for my services online, but every once in a while, I get a check in the mail and have to go to the bank to deposit it.

It would appear that USAA bank is removing any reason for me to go to the bank with an iPhone app that allows me to deposit my checks virtually. All I need to do is take a picture of the front of my check with the iPhone, then turn the check over and snap the back of it. Once I hit e-send, the money is in the bank.

Of course, I don’t have an iPhone, and that is the case for many others. Another limitation on this new paperless service is it is currently only available for active-duty military personnel. I guess that just makes sense, doesn’t it? How can someone stationed in Iraq make a run to the bank?

In case you are wondering, the user of this service is required to destroy the check or, if nothing else, write “VOID” on it. If it were me, I would check just to make certain that my funds made it to the bank before I do something like that.

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