# Would you cash a check for a penny? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [February 16, 2022, 1:40am UTC](https://boards.straightdope.com/t/would-you-cash-a-check-for-a-penny/959571 "2022-02-16T01:40:12Z")\ **Posts on this page:** 5\ **Page:** 5
**Author:** ![DrDeth](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@DrDeth](https://boards.straightdope.com/u/DrDeth)\ **Post date:** [November 12, 2025, 9:28pm UTC](https://boards.straightdope.com/t/would-you-cash-a-check-for-a-penny/959571/81 "2025-11-12T21:28:01Z")
> [@hajario](#): > > It’s trivial to deposit a check with your smartphone now If indeed, you have your bank account linked to your phone. Many experts on banking security advise you not to. ---
**Author:** ![hajario](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/hajario/32/171_2.png) [@hajario](https://boards.straightdope.com/u/hajario)\ **Post date:** [November 12, 2025, 9:54pm UTC](https://boards.straightdope.com/t/would-you-cash-a-check-for-a-penny/959571/82 "2025-11-12T21:54:58Z")
> [@DrDeth](#): > > If indeed, you have your bank account linked to your phone. Many experts on banking security advise you not to. I’m sure that _some_ do but is it close to the consensus? Do you have any credible cites for that? If someone found my phone they’d have to get into the phone and then into the protected banking app before I noticed that my phone was stolen and I shut everything down. It’s very possible that I am missing something. ---
**Author:** ![DrDeth](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@DrDeth](https://boards.straightdope.com/u/DrDeth)\ **Post date:** [November 13, 2025, 12:25am UTC](https://boards.straightdope.com/t/would-you-cash-a-check-for-a-penny/959571/83 "2025-11-13T00:25:40Z")
> [@hajario](#): > > I’m sure that _some_ do but is it close to the consensus? Hard to see consensus, but a brief Google search turned up mostly advice that it was risky- > **[Is Mobile Banking Safe? 10 Potential Risks to Know](https://www.identityguard.com/news/risks-of-using-mobile-banking-apps)** > > Mobile banking apps are convenient and easy to use. But are they secure? Not always. Here's how to protect your bank account from scammers and hackers. But here- three experts give different views- > **[Is It Safer to Bank by Phone or Computer? We Ask 3 Experts - SkyPoint Federal...](https://www.skypointfcu.com/blog/is-it-safer-to-bank-by-phone-or-computer-we-ask-3-experts/)** > > Two-thirds of Americans use mobile or online banking as their main way to access their accounts. If you belong to that group, chances are you lean heavily on a smartphone or computer to pull up your bank information. But both gadgets also happen to... So, no consensus, but an agreement that it is a risk. YMMV, just be careful. ---
**Author:** ![Ancient\_Nerd](https://avatars.discourse-cdn.com/v4/letter/a/ed655f/32.png) [@Ancient\_Nerd](https://boards.straightdope.com/u/Ancient_Nerd)\ **Post date:** [November 20, 2025, 8:25am UTC](https://boards.straightdope.com/t/would-you-cash-a-check-for-a-penny/959571/84 "2025-11-20T08:25:41Z")
After some back and forth with the IRS one year, they decided that they owed me one dollar, added two cents in interest, and mailed me a check. It had something to do with rounding as they charged me and then credited it back. I never cashed the check, and a year or two later, they mailed me another one. For many years after that they sent me a new one every year. I have a collection. It seems like the story is worth the dollar. ---
**Author:** ![Dewey\_Finn](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dewey_finn/32/4222_2.png) [@Dewey\_Finn](https://boards.straightdope.com/u/Dewey_Finn)\ **Post date:** [November 20, 2025, 5:51pm UTC](https://boards.straightdope.com/t/would-you-cash-a-check-for-a-penny/959571/85 "2025-11-20T17:51:26Z")
Good enough to repeat the story after two weeks? [Previous page](https://boards.straightdope.com/t/would-you-cash-a-check-for-a-penny/959571.md?page=4)