kaychoro writes to mention that at least one privately held bank is planning on removing a little bit more legwork for the consumer by allowing the electronic submission of paper checks via a new iPhone app. The app would allow users to take a picture of the front and back of the check and submit that to the depository. "Customers will not have to mail the check to the bank later; the deposit will be handled entirely electronically, and the bank suggests voiding the check and filing or discarding it. But to reduce the potential for fraud, only customers who are eligible for credit and have some type of insurance through USAA will be permitted to use the deposit feature. Mr. Peacock said that about 60 percent of the bank's customers qualify."

A large number of schools participating in a pay-for-grades program have seen test scores in reading and math go up by almost 40 percentage points. The Sparks program will pay seventh-graders up to $500 and fourth-graders as much as $250 for good performance on 10 assessment tests. About two-thirds of the 59 schools in the program improved their scores by margins above the citywide average. "It's an ego booster in terms of self-worth. When they get the checks, there's that competitiveness -- 'Oh, I'm going to get more money than you next time' -- so it's something that excites them," said Rose Marie Mills, principal at MS 343 in Mott Haven. Critics, who are unaware that most college students don't become liberal arts majors, argue that paying kids corrupts the notion of learning for education's sake alone.