With the rise of online-only banks and apps that allow money transfers in just a few seconds from a smartphone, consumers no longer have to rely on ATMs or a bank teller to handle their paper checks.

Banks and credit unions typically offer remote deposit services that allow you to deposit checks via an app on your mobile phone instead of going into a branch.

If you've been given a check that has been made out to you and another person, you might need to take a few extra steps to deposit it.