<p>@daveywavey–we’ve been very happy with Capital One 360 (especially after our unpleasant experience with BofA!). Our D has used it for paying bills (her one credit card that she is using to establish a credit rating) as well to send checks to “regular” people and it has worked very well. If you need to set up direct deposit, they have a form you can fill out and submit to the employer (since she’s never had any actualy checks–although I think you can order some for a nominal charge). And their mobile banking app has worked well for all of us for depositing checks via smartphone.</p>