At least you have the option of making an ATM deposit.

My checking account is at a back three-quarters across the state. (It's the same bank I've had since high school. I haven't changed due to inertia, plus the fact that there's a couple of free services I get from that bank that none of the local ones are willing to provide without additional charges, if at all.) There are no local branches (well, there is one forty minutes down the highway in another city, but that's usually not a feasible option, giving my need to work during banking hours). So, I don't have the option of a face-to-face transaction when I want to make a deposit.

I don't make deposits often (only a handful of times each year, for tax refunds, rebate checks, and the like). I used to be able to make deposits at ATM's, but starting two or three years ago, they no longer were able to accept ATM deposits. (They claimed it was because of new software they were running on their end.)

So, now, I want to deposit something, I have to mail it across the state to the bank! Not the most comforting state of affairs.