[MiguelHudnandez]

While I agree with the principles of your objection, there are several mitigating factors.

First, generally deposits are done via an app without choosing a photo from the photo roll. So you'd need to actually print a check to get it through the app, or hack the app to take a digital file. The deposit is tied to your account, and your physical phone, which means if you use it for fraud it is easy to trace back to you. I suppose we could see stolen phones being used to deposit checks, but then they'd have to get the money out of that person's account and move on quickly.

Second, a bank that isn't customer-hostile will have many notification tools available. I get push notifications of large transfers in or out, and the same for low balance warnings or upcoming bill payments.

Moving on to some opining...

I wish I could print one-time use codes (QR or letters) on my checks. It'd be nice for me to submit the amount and the challenge code through my bank's app to authenticate a paper check.

But the fact is, I now write checks very infrequently. Assuming that's a broader trend, I think any major development we see in the handling of checks will be to benefit businesses, which might deal with a lot of them going in and out.