Workaround for both of these things are postal money orders. PMO's are basically checks in every way that matter, to the point where I've yet to find anyone who won't let me use one if they accept checks.
$1.95 per $1000 is pretty reasonable as far as fees go. If you want to deposit cash, you just get a money order for the amount, make it out to yourself, and use their photo check deposit. Funds available next business day.
If you need to pay someone, you buy a PMO with your debit card.
It's kind of an annoying requirement, but it beats the hell out of dealing with the banks in my area.
Huh, this is something I've never had to deal with or even knew existed. But yeah that makes sense. Appreciate the response for future reference I ever need to do this. I also agree that's not much of a fee and this would be a super rare scenario.
$1.95 per $1000 is pretty reasonable as far as fees go. If you want to deposit cash, you just get a money order for the amount, make it out to yourself, and use their photo check deposit. Funds available next business day.
If you need to pay someone, you buy a PMO with your debit card.
It's kind of an annoying requirement, but it beats the hell out of dealing with the banks in my area.