According to this New York Times article
only about 10% to 15% of households move their checking accounts each year, and one important reason is the belief they need a local branch for things like depositing checks. The article mentions services from three online banks that are designed to help with this:
USAA Bank has solved this by letting customers snap pictures of checks with their Android phone or iPhone and submit deposits that way. ING Direct is introducing a similar system later this year. PerkStreet Financial allows customers to send them overnight free from any United Parcel Service store.
It'll be interesting to see what ING Direct offers. It would be nice to be able to deposit checks at home into my Electric Orange account with a scanner or smartphone camera.