Hate going to the bank to deposit a check, your iPhone has an app for that.
Disclaimer: not every bank has this setup yet, my bank just happens to be leading the pack.
I got my iPhone 4 about three weeks after it had been released. I am finally one of the cool kids and I do not have a blackberry or windows phone anymore. I installed my banking app and remembered someone telling me that their app allowed depositing of checks via the app by taking pictures. Honestly, I thought this was the most useful thing to do with the camera and the iPhone in general.
I get expense checks from time to time that are not direct deposited and my bank has no local branches. Previous to the iPhone app, I had another bank locally, and I had authorized wire transfers between the two. But this still required me driving a ways, depositing the check and then transfer the funds. iPhone app comes along and this is not a problem any more. I choose mobile deposit and take a picture of the front and back (which is signed with and labeled for deposit only into my account). Funds are available immediately.
To me, this is a game changer and should send banks into examining why they have so many branches when a smart phone could do a bulk of deposits for individuals. Commercial deposits, well, not every solution is a good fit to every problem.