 Some of the largest U.S. banks offer mobile deposit, including Bank of America, Chase, Citibank and Wells Fargo and some in Canada, RBC, TD, CIBC, Tangerine offer mobile deposit to retail banking customers.A side effect of the Check 21 Act is that, because the digital image of a check is now considered a legal document, bank customers who get paid with a check can scan an image of the check and deposit it into their account from their home or office if their bank supports doing so.Advocates of Check 21 claim that remote deposit saves time and money because businesses who use it no longer have to send an employee or a courier to take their checks to the bank.