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While listening to an episode of MacBreak Weekly, one of their frequent tangents took them to a service offered by a bank that I hadn’t ever heard of: deposit from home.

As a self-employed web design guy, I often get payments in the form of checks. The craziest thing in the world to me is that in this electronic age, I have to wait up to four or five days after I deposit those checks to received the funds for them. Really? That’s the best you can do?

Clients also pay me via PayPal, which is cool because the funds are instantly available via PayPal’s debit card option. I appreciate that, but there are limitations and fees that make some instant access to my money, well, bothersome. Why can’t I just have my money?

Well this bank, USAA, offers a service called Deposit@Home that allows you to scan checks, submit them with your deposit via the website, and… here’s the kicker… the funds are available to you instantly! Really! Isn’t that how it should be?

Needless to say, I am intrigued. I will be looking into this bank’s services for that feature alone. Fantastic.