Sometimes I just wake in the middle of the night, for no particular reason and just find that my head will not stop working and it’s pointless to just lie there. That happened this morning, and eventually I made my way to my computer desk and read emails and surfed for a bit. Then I looked at the papers on the desk, wondering if I had the mental energy to do anything about them.
Not that there are a lot of things – but snippets of paper, and general “stuff” just ends up here. One of the things on my desk is this check that I have, and I start thinking of when I can get to my bank’s ATM to pay it in.
And then I have a thought – I’d seen an advert from my bank about that….. would it really work…. well, what else am I doing?
So I got out my smart phone, opened the app for the bank, clicked on “deposit”, followed the screen prompts to take a picture of my check, front and back, and…. it tells me I’ve deposited my check.
So I look on-line and, yes, there it is, showing in my statement.
This really does my head in – I still HAVE the check, so how can it be deposited in my bank?
And – what’s to stop me going in to my bank and cashing the actual check I have? I mean I wouldn’t do that – apart from anything else I don’t suppose for a moment I’d get away with it, but what’s physically to stop me?
When I started working in a bank (and yes, that was a LONG time ago!) our customers’ checks arrive each morning and we had to go through them manually and make sure they were all dated, and signed properly. And then that was automated, and eventually the actual checks didn’t arrive, but they were still in the system – a bank, somewhere had the check, and it could be produced if needed.
I know this is just the next logical step – but it still baffles me.
Actually, I suspect it might actually be magic!