Originally Posted by fletchbo

I have been MSing well over 10K, monthly for 5 yrs.

A few rules I have for myself, in order to maximize my time for all of this:
1. The only name that matters is that in the "To" field.
2. Double-check all other fields (acct #; sig on back etc) for accuracy, as any returned MOs waste much more time to fix than
doing right first.

3. Deposit almost exclusively in CUs. Banks scrutinize too much; risking shutdown. I have at least 8 CU accts and only 1 small local bank for MS.

4. Have multiple CU accts always ready for deposit, so you can maximize high ACH transfer rates.

5. Deposit via ATM, mail, or mobile deposit; which ever is faster, and most error-free. Going inside a branch wastes way too much time. Some ATM machines are error-prone, and by experience, you will find which ones to avoid.

6. Keep rotating deposits via your CU portfolio, to stay under monthly reporting requirements.

7. Track which CUs / banks make your funds available right away, and which ones make you wait up to 5 business days, even for a cash ATM deposit! The differences in funds availablility from one CU / bank to another may surprise you!

Good luck!