Consumers are banking less often on desktop computers, as an increasing number of people turn to mobile phones, ATMs and even branches to handle their finances, a survey released last week shows.
Asked which methods they "use most often" to manage their bank accounts, the Internet led the pack in the American Bankers Association's 2014 poll, with 31 percent of depositors saying that handling transactions on a laptop or personal computer is their most commonly used method.
But that's down from 39 percent in 2013.
Meanwhile, mobile banking, branches and ATMs all showed gains in consumers identifying them as their favorite way to do business.
Branches and ATMs ranked second and third.
Ranking fourth was mobile, which includes cellphones, BlackBerrys and iPads. It garnered 10 percent of responses, up from 8 percent the prior year.
Ipsos Public Affairs conducted the phone poll for the bank trade group earlier this month. Its survey of 1,000 U.S. adults had a margin of error of plus or minus 3.1 percentage points.
Another study released last week showed that, while ATMs keep getting smarter, phones are seeing an increasing amount of action when it comes to depositing checks.
The use of smartphones to take a photo of a check and deposit it into an account more than doubled in 2013 from the previous year. Twelve percent of customers said they had used mobile deposit in the past three months, up from 5 percent the previous year, according to Mercator Advisory Group.
No need to pity the ATM, however.
The Maynard, Mass.-based adviser to banking and payments industries said nearly two-thirds of consumers still use ATMs at least once a month, up from 61 percent the prior year.
Price to pay: Consumers are getting lazier about avoiding ATM fees, Mercator's ATM survey also found.
Almost a quarter of respondents said they were willing to pay ATM surcharges to use a convenient machine. That's up from 13 percent in only one year.
In other fee news that surfaced last week, Moebs Services found that the gap between credit unions' overdraft fees and those charged by banks is narrowing.
The 2010 differential between overdraft fees charged by banks and credit unions averaged $5, or 20 percent, said the Lake Bluff-based gatherer of statistics about financial institutions' pricing. In 2014, the difference has narrowed to 5 percent, or a difference of $1.50.
Second in line: Among the biggest banks owned by U.S. insurance companies, Bloomington, Ill.-based State Farm Bank ranks second, with total deposits of $10.5 billion, according to a recent ranking by SNL Financial. No. 1 is USAA Federal Savings Bank, with $59 billion in deposits. Third is Mutual of Omaha Bank, at $5.5 billion.