If you open a direct deposit & debit card system it's a no cash or checks operation.
We do not !
First we're not at ease with the debit card type of purchases.
Then the Bank we use now is miles closer than the Citibank location.
So we'll stay with our direct deposits,of many years & Citibank Visa credit card & the A/A Frequent Flyer / Visa CC mileage bonus.
Not better just different & like what ever perks your coffee.
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