PITTSBURGH (KDKA) – Retail banking is changing fast with most customers liking the many new options available for making deposits — unlike the old days where everyone had to go to a bank teller.

“Convenience is the name of the game,” former Mellon banker and now Duquesne University business professor Tom Nist told KDKA money editor Jon Delano.

Nist says both banks and customers benefit.

“You walk into a bank and you’re doing a cash deposit and the line might have anywhere from three to ten people in it, you’re in a rush, you can go right to the atm and deposit the cash right through the ATM. It makes it very easy and convenient, as easy as a 123 lump sum settlement company,” says PNC customer Bill Regan of Whitehall.

It’s easy to do with a debit card, and your receipt includes a picture of your deposited check. The only problem is there’s still a delay getting access to your deposited money.

“If you transfer like over a hundred dollars, you’ll see only a hundred dollars in your checking but it will clear in like a day and then you will see all your money there,” notes Tyrhae Taylor of the North Side.

No surprise, banks are making it as easy as possible through their ATM machines for you to deposit your money into their banks.

But how about an app for your mobile phone — you just take a picture and it automatically deposits.

Just use your phone to take a picture of both sides of the check you wish to deposit — and using the app — send it to your bank.

“The images are so good now that they can capture all the information they need, and process the check without ever handing it over,” says Nist.

PNC says it has 15,000 mobile deposits every day.

“I even use my mobile phone now with the app on it and I’ve never had trouble depositing,” says PNC customer Alexis Eldredge of the West End.

Citizens Bank has a new paperless deposit system, too.

No deposit slips necessary — just go to the teller, swipe your debit card, and hand over the deposit.

Nist says even the technologically challenged will like going paperless.

“They’re going to discover it’s not that hard — and get on board pretty quickly,” the professor adds.

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