A recent report from Mitek and RemoteDepositCapture.com found that 80% of banks experienced no losses from remote deposite capture.

That’s zero. Zilch. Nada.

But fears over remote deposit capture remain among consumers, as evidenced by this new story from WDTN in Dayton, Ohio. A local woman deposited a two-year-old check that had previously been deposited, and it was accepted.

The check recipient is a PNC customer. The check was written on a Citizens Bank account.

If you keep two-year-old checks around, this sort of thing will happen. This can be an inconvenience for the check recipient and check writer, but otherwise this should not be overly alarming. Checks are ranked according to risk, and the check in question was under $200 — a low-risk check that, for the sake of convenience, is generally deposited quickly. The funds may take up to several days to clear and become usable by the recipient, which is also a risk management measure.

Small banks continue to market mobile check deposit (also called remote deposit capture or RDC) as a differentiator, but fraud fears among the customer base will not help speed adoption.

Check use is declining, but not going away. Mobile use is increasing — but a recent survey of 1,000 banking customers found just 10% had done their banking on mobile devices.

In other words, this story is a melancholy signpost on the long road to the future of banking.