Three times as many people in the US are using mobile apps to deposit cheques than they were in 2011 according to a report from electronic payments association Swacha.

46% of those using their mobile device are now depositing checks using their mobile banking app.

The study found that 33% of consumers questioned currently use mobile banking on mobile phones or a tablet; 55% of which reported they use a mobile phone.

The 33% who report they use mobile devices is a rise from 20% in 2011 and just 7% in 2009.

20% of those surveyed use their mobile banking application daily with 45% using them at least once a week.

25% of respondents say they foresee themselves depositing checks remotely in the future.

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86% of those surveyed use a mobile device to check balances and 35% use mobile banking applications to transfer money between accounts.

There was also a 5% increase in using a mobile device to make bill payments, rising from 36% to 41% between 2011 and 2013.

Dennis Simmons, CEO of SWACHA said of the survey: "This is our third Consumer Insights Survey since launching the effort in 2009, and with each survey we receive new and insightful information to assist our industry in helping consumers looking to increase their use of electronic payment technologies.

This year’s results show many significant trends in this rapidly changing environment that we will continue to monitor, such as remote deposit capture, which is not only changing the way people interact with technology, but it’s also changing the way people interact with their banks, and it’s an adjustment the industry is welcoming."

"We know the future of banking is synonymous with mobile banking, and we must learn to grow and change as technology does, which is why we felt it important this year to start monitoring the use of tablet devices for electronic payments," added Simmons. "In 2009 and as recently as 2011, tablets were just coming onto the scene. Today, they are everywhere."

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