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Except that until your check written to cash clears, you are actually receiving a temporary loan from your bank ... some banks also have a clearance hold on all deposits, including cash.
I am seriously considering going back to the old fashioned kind of direct deposit. Right into the mattress.
I actually do know someone who has no bank accounts. He gets his paycheck, and on payday goes to the bank upon which said check is drawn, cashes it, and then distributes the cash to budgeted purposes including things like the mortgage, food allotment, etc.
He's pretty unique in that he doesn't have any outstanding debt.
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