If mobile banking includes mobile deposit (AKA remote deposit capture junior), risks climb because of the potential for fraudulent or unwitting duplicate depositing of a given check, and the fact that the second deposit could be at another bank, leaving your bank clueless that there might be a chargeback coming your way, perhaps several weeks later. There's also any other risk that can be involved in "real" remote deposit capture, except generally on a smaller dollar scale.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8