Yesterday I deposited my paycheck with my bank’s app on my phone. I took pictures of the front and the back and then hit submit.
I still don’t trust it one hundred percent. How do they verify the pictures? How do they get it through the internet tubes and into the bank?
In 1999, when I was at my first real, adult job, I didn’t trust depositing my very first paycheck in the Citibank ATM. I actually asked to leave work in midtown and head up to 80th and 1st Avenue to wait in line at the bank to physically hand it over to a teller. I trusted nothing less.
How could you put your signed paycheck into a box and expect that no one would steal it? What kind of a fool do you take me for?
I’ve always been terrified of getting ripped off, it’s how I was raised. I’m also a late adopter of any kind of technology. It took me a while to trust putting my credit card information online. Now my credit card information comes up automatically every time I buy anything anywhere, even if I haven’t been to that site before (that should trouble me, right?).
And yet somehow I trust the trail of numbers with credit cards. I buy something on amazon and I see the charge on my account online immediately.
But I took two pictures of my check and now I wait.
I could walk down the street to the bank and deposit it but that’s like five blocks. I could also do direct deposit but I’ve procrastinated doing the paperwork. My distrust of technology has its limits.
Necessity is the mother of invention and my laziness is the catalyst to adopting new technology.
Seriously, though, people have to try to forge this all the time, right? I mean it’s pictures of a piece of paper that gets converted into money. It’s sorcery!