Is Mobile Banking Safer Than Going To Your Local Branch?

Clark Howard makes some good points about comparing the risks from brick-and-mortar banks to the risks of mobile banking in his show notes:

When you go to a bank, you hand a check with your transit numbers to a stranger behind the teller desk. If that teller isn't honest, they have license to take as much money as they want because they have the transit numbers from your account.

So we fear the modern, but the old way has potentially more risk.