What action is typically unnecessary for using a mobile banking app?

The action that is typically unnecessary for using a mobile banking app is requiring a physical bank card. Many mobile banking apps offer a range of functionalities that can be accessed without needing a physical card. For instance, users can check their account balances, transfer money, pay bills, and use other financial services directly through the app.

On the other hand, having a stable internet connection is essential as it allows the app to connect to the bank’s servers for transactions. Knowing your account's PIN is important for secure access to your banking information and completing transactions safely. Uploading check images may be needed for features like mobile check deposits, allowing users to deposit checks directly through the app without needing to visit a physical bank location. Each of these actions contributes to functionality and security that mobile banking requires, except for the need to physically possess a bank card, which is not always necessary.