My PC has had a scanner connected to it for over 20 years, and in the mid 00s I was scanning and depositing checks through my bank's website (USAA). Even with modern cameras and fancy smarphone software, the results you get from a PC scan are still much better than taking a picture with your phone.

If you don't have a scanner, nearly all laptops have a webcam built in, and many people have one for their desktop as well.

On top of all that, there's no reason you can't use your smartphone camera to upload an image into a website through the mobile browser. I've done it many times for things. Just this morning I "scanned" a receipt into Ramp by taking a picture with my smartphone in the mobile browser.

You can't invade the user's privacy nearly as well in a browser (which is great for analytics/marketing), so there's a lot of incentive to the app creator to force a mobile app. But I think we should be honest that it's not for the user, it's for the company.

Haven't written or received a cheque in thirty years. But surely you could do it with any kind of digital camera, even a webcam.

Visioneer paperport!

I wonder if you can use a webcam?