Most banks only allow check deposit by mobile (as opposed to desktop), but yes, desktop can do a lot. I'm incorporated, and some of my clients (usually new ones

Most banks only allow check deposit by mobile (as opposed to desktop), but yes, desktop can do a lot. I'm incorporated, and some of my clients (usually new ones) will pay with a check, so without mobile I'll have to visit a branch/atm to deposit those. And my banks still use SMS MFA, so I could login online using a dumber phone.