A barrage of commercials has introduced this cool new use for smartphones: customers take a phone-photo of a check and messaging it to the bank. But at least one bank has begun charging 50 cents for each remote deposit, while others are studying what one banking consultant calls a "gutsy" move. Meanwhile, remote deposits will save the bank enormously in the long term, as they lessen the need for automatic tellers and human ones. This would facilitate a move of more customers over to online banking and bill paying. Bill pay is free, you say? That's what people once said about ATMs.