For direct deposit if you are worried just have some minimal amount, no the entire check deposited. My local bank gives free checking if you have your full paycheck deposited, but they have no of way knowing if it's the full check or not so I split it between all my accounts with this bank so they are free. Then as soon as the money gets there, it's transfered to the internet bank I use for all the free stuff they offer. Local to deposit checks, and internet for the rest.