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I use USAA, works great. The reason, though, why they have this is because they don't actually have any bank branches or ATMs to make deposits at. You used to have to send in deposits. Then for a short period of time last year you could drop them off for free at UPS Stores, then that stopped, so now they have the scan in method.
All checks are is a piece of paper with information, you can legally write a check on a watermelon if you wanted, but of course no one woud accept it.
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