this post was submitted on 17 Feb 2026
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Privacy
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I use several banks and several credit unions, and the only thing I can't do with a laptop is deposit checks (which is getting pretty rare).
FinTech products like PayPal, Venmo, Cash.app, BlueBird and such often require a phone app, but aren't regulated banks, and are best avoided when possible.
Same here, I might end up with a check in my hands like once per year, and so I have to make like one single trip to my credit union every single year or whatever to deposit that check, and that's it.