"David, Interesting topic. By the way, I would encourage the loss prevention employees to say "Thank-you for helping me put food on the table." (just kidding) I will confess that when I heard of this offering, I just about fell out of my chair. However, I beleve that once you get past the mystique of mobile banking (and in this case cellular) the realities are quite boring. The implementation of this type of technology is not new for consumers, it's been around for a few years in one form or another, mostly thru remote capture solutions from your home PC. According to various law enforcement and bank personnel, these type of solutions both reduce fraud and increase efficiencies by providing opportunities to detect unusual check information sooner, and quicker collection (you can start sooner). Assuming that banka that would implement controls including flagging representment / submission of the same check, checks that are outside of the normal pattern of a consumer, daily limits (either volume or value), kiting, proper holds, AND KNOW THEIR CUSTOMER, - this should just mean 'money in the bank.' Sometimes we have to take a time-out, take a deep breath and ask, what are the risks here? "