I've been using another mobile banking app. But theres a fee for cashing checks. I thought I could join BofA to deposit my checks without a fee. I went through the process to deposit my paycheck until it said there would be a 5-day waiting period. I changed my mind. I couldn't wait that long. Ended up going through with it and it said it would be deposited the next day. It has now been 6 days. Been waiting to talk to a representative for over an hour and then disconnected!!