Lemma, I agree with you once again--I always deposit with a teller in the same branch where I opened the account. I always have next day availability for the deposits regardless of their size. I do try to let funds sit a couple of days before using them so that no one worries about kiting or bounced deposits, but at this point I doubt that's necessary.

I've only been asked once whether I was using the account for business purposes (I have a personal checking account). I said it was a hobby, not a business--I was buying money orders to get frequent flier miles using a debit card that paid miles for that. Of course I'm not running a business--there are no customers, no sales, no advertising or inventory or anything--I just have a hobby of accumulating FF miles. (No mention of manufactured spending or Visa GCs either.) And I've heard nothing since.

I also agree that there's no point worrying about a ChexSystems report. That's possible I guess with any account. But ChexSystems typically reports on accounts closed for fraud, bounced checks, identity theft, and so forth. I doubt it even has a way to report "too many money orders deposited"--it has standard reasons for account closures. And, of course, ChexSystems reports information only--it doesn't make any decisions on opening any bank accounts or prevent anyone from doing so. Here's a sample ChexSystems report:

https://www.consumerdebit.com/consum...hexCnsrRpt.pdf

The money orders appear on my bank statements as check deposits, BTW.