When you have the check, it's true, sometimes photo deposits are less convenient. But if all you have is an image of the check, it's awesome. Say I wanted to s

When you have the check, it's true, sometimes photo deposits are less convenient. But if all you have is an image of the check, it's awesome. Say I wanted to send money to my sister. Before this I had to actually mail a check, or worse, pay for a wire transfer. Now I can just send an image of a check via email, and she'll have access to the money before a mailed check would have arrived. No third party brokers the transaction, and nobody extorts any fees (be they for postage, sending the wire, or receiving the wire). The trick is to use this to enable things that just aren't possible at the bank branch or ATM.