Last year, we mentioned that USAA, a mid-sized American bank, was going to provide the technology to virtually deposit checks using a scanner and Wi-Fi.

A year and a half later, USAA is the first out of the gate with an iPhone app that offers the convenient option of depositing checks by taking a picture of each side with your phone's camera. A touch of the send button emails it to the bank, and the paper check can then be disposed of.

The simplicity of this app will no doubt send competitors in banking and mobile alike scrambling for solutions as efficient as this one.

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