USA, and there are quite a few banks that only allow digital check deposits through their official app and not the website. Not having access to those is a dealbreaker for me, and I simply dont have the time or patience to switch banks and lose out on the advantages I chose my existing banks for, just to be able to switch phones. It would be a lot of work to keep the feature set I already have. Additionally, these banking apps tend to check if a phone has been rooted or jailbroken and will disable themselves if they see evidence of such.