The new online banking application is not as clear and simple as the one it replaces. Is this PROGRESS? Apparently cheques can now be deposited without going to a physical bank. GOOD, I call that progress. HOWEVER, the app won't install on my late model iPhone. It has been explained by customer service that there are "issues" with the app which are creating problems in enabling the new enhanced services -- like depositing cheques. One advantage to the online cheque depositing service is post-dated cheques can now be deposited remotely from a physical bank on the date of the cheque. GOOD! Please know I’ve been advised HSBC no longer accepts post-dated cheques. The conundrum is -- a customer with a post-dated cheque or an iPhone with a corrupted app can't deposit a post-dated cheque until the date on the cheque. If HSBC had branches everywhere this wouldn't be a problem. THEY clearly don't. This leaves the customer vulnerable. Thanks for nothing HSBC. It's time to look for another bank which provides services that work. But aren't banks a service industry? Somehow they are forgetting customers provide THEM with money to be able to operate. Banks need to remember they were not needed prior to customers needing somewhere to put their money for safekeeping -- a simple SERVICE. From that simple SERVICE, all the rest of banking has grown. Perhaps customers need to remember we hold the key, not the banks.