<prompt> Human: You know that nifty cell phone app that allows you to deposit a check by taking a picture of it? Well do not use it. If the check is stolen and then cashed, BoA will cancel the deposit that you made and refuse to put the money back into your account. Do they go after the check cashing place? Nope. Even after evidence of where it was cashed. Why? Because it is YOUR responsibility to keep the check safe, not theirs. Or they will accuse you of double depositing it. Well go to the police and report it stolen you say. Good luck. Since the amount is considered a class B misdemeanor it is not worth their time or effort. They are too busy.So, the moral of the story is BoA does not have any care or concern for their customers. Run do not walk away from BoA!!!  <response>: And you think a credit union is going to take your word for it without a police report? Maybe, but I think its unlikely. It IS your responsibility to keep the check safe. 