Try not to be the data point :-) I've been shutdown by dozens of banks for MO deposits. And investigated by USPS Postal inspector/IRS (all turned out fine). DON'T DEPOSIT at any banks that you want to get a credit card from - Citi, BoA, Chase, etc. Wells Fargo might be the exception. Start slow, $2-$3K per week for a couple months and eventually scale up. Lots of small local banks and credit unions. I've also had success finding credit unions where you can deposit online. For example, I qualified for one where my son attends school in VA (I live in NY). Now I can deposit online to that CU. I also recommend waiting 45 days before depositing a MO at a new bank/CU. I believe there is a 30 day period where scrutiny of the account is a little stronger. Good luck.