[mixmastamyk]

I don’t use a bank with a phone. What do you do with it?

(One exception, I used to scan checks five years ago, but thankfully that finally ended.)

[marc_abonce]

Some banks require an app for pretty much everything other than retrieving cash from an ATM, because they don't have a web app anymore:

1. Transfer money to another account. The alternative is to waste half a PTO to go to the actual bank (because they only open at working hours) to make that transfer.

2. Make an online payment. Most new cards no longer have a CVV (3 digit code) and instead require you to use the app to get a dynamic number. Many banks do not offer that option in their web app.

3. Forced 2fa for in-person payments with your card.

Today it's still possible to workaround many of these issues but they're closing these workarounds little by little.

[mixmastamyk]

Wow, I thought Schwab was bad because they don’t support true fido2 keys. But no website, crikey.

[monomial]

Same. I have a very old iPhone stuck on an old version of iOS that's incompatible with most apps these days. In the rare case I need to deposit a check there are banks like Ally that don't have physical branch locations but still let you deposit checks via their website.

I'm curious what people need a bank app for.

[BtTower]

To send your money to someone else.