USAA has launched a new application that will save you a pesky trip to the bank. It is called Deposit@Mobile and can be downloaded onto your Smartphone. You receive a check from your employer or your friend or a business associate and you don’t have the time to make it to the bank before it closes. So you have to hold on to that check until you can make time to head across town to your closest branch. Well, not anymore. With this app you take a photo of the check and send it off to the bank. Your money is in the account and you know have plenty of time to do everything else. Time will only tell if all banks will make the switch.