As far as I know, you still can not scan a check with a home scanner and upload the image to the banks's secure area. Being able to deposit a check by cellphone is better than having to take it to the bank, but I wonder why you could not do the same thing using a home scanner? My scanner takes a much clearer image of the check than my cellphone does.
I don't know if most scanners do this, but I know mine doesn't. In a case of making a copy of a check or insurance card or driver's license, it would be nice to be able to put the card on the scanner and have it scan the picture of the front and then move the card down and let the scanner take a picture of the back and combine both images.