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I have no idea (probably not) but that seems to be a perverse option that still uses digital online technology. There is nothing wrong using the mobile app to deposit a cheque.

While I respect what others think about smartphones, good and bad, there is absolutely no reason why not to use them with my home (or trusted relative/friend) secure WiFi like I would with a laptop or using cellular data. The digital transfers are encrypted between app and vendor, and/or https website and vendor.

The only places where I do not use WiFi for important matters like financial transactions is third party WiFi as in hotels and public places. BTW, I have not yet checked today to see if there is a spook peeking from behind our pine tree in our yard or someone surfing the street looking for unsecured WiFi.

AltaRed said

I have no idea (probably not) but that seems to be a perverse option that still uses digital online technology. There is nothing wrong using the mobile app to deposit a cheque.

While I respect what others think about smartphones, good and bad, there is absolutely no reason why not to use them with my home (or trusted relative/friend) secure WiFi like I would with a laptop or using cellular data. The digital transfers are encrypted between app and vendor, and/or https website and vendor.

  

One reason I don't use my phone for banking is the reason I use it very sparingly for anything online and it is the combination of the screen size and the Android interface itself. This is a choice. Or it should be but for some reason the extra functionality provided to customers is via the app in many situations , which removes my choice to perform online banking from my own computer and I understand that this is intentional.
Computers generally have more processing power than phones so I don't think there is a tech hurdle that can't be overcome. This is what the social engineering types refer to as a nudge, and the fact that this is occurring is what seems " perverse" as you put it.

perverse
adjective

Contrary to what is right or good; wicked or depraved.
"a perverse world of sinners."
Characterized by or resulting from willful opposition or resistance to what is right, expected, or reasonable. Willfully opposing or resisting what is right, expected, or reasonable.
"an understanding of the text that only a perverse reader could reach."

The American Heritage® Dictionary of the English Language, 5th Edition •

As for having a phone without a data plan, I do have a few but they are all outdated and cannot even download an app, yet the cameras in them still work just fine. And so what is the point of using my smartphone on my WIFI when at home ?