This is a listing of the various checking accounts at Bank of America.
It's easy to miss, but if you look at the difference between the eBanking account (designed for customers who use self-service options for deposits and withdrawals and choose to get their account statements electronically through Online Banking) and the MyAccess Checking, there is a little bullet point buried about halfway into the block: Make deposits to and write checks from your account with no per check fee. (Emphasis mine)
Since this is a 'feature' of the MyAccess account (and the other two accounts beyond it that specify having the same features as MyAccess), then that means that there is a per-check fee for the eBanking account.
Yes, around here having a self-service deal for paper bills and checks (sending them via snail mail in service envelopes) costs around 25 bucks a year with most providers. If you don't have a subscription and want to pay that way just very occasionally, but still having it linked to your main bank account, the cost is several dollars for just one despatch (of one or more bills or money transfers) so if the customer insists on leaving his own paper trail, the only sensible thing is to get annual subscription
But when I was saying that paying a bill, sending money to a friend or cashing in a check or money order in the bank entails a prohibitive price every time, as opposed to doing those things online, I meant just that - having it done at the counter in the bank (or post office, but it's the same there). Any bank you ask here charges the eq. of 8-10$ to even handle that kind of thing at the counter. My local bank office (a major branch of one of the leading banks in the country) doesn't handle any business involving cash, actual bank notes, after 1 p.m., so if it's five days before the next wage is in and you need to add funds to your bank account because you have a bill that has to be paid on time or some automated withdrawal coming, then it can't be done. They do have a machine in the entrance for making money input to your accounts or to others in the same bank, and tha one is open late into the vening, but it's sometimes broken or willful. Most banks don't have that kind of gadget because it's seen as a money laundering hazard, but they can be just as reluctant to handle cash errands.
Now, if you don't have the option of accessing your account online, at work or at home, and doing the transfers you need to do, or if you actually get money orders on paper from insurance, from customers or from the dole, and they are not sending it digitally to your account, then you need to actually turn those into real money and that's something you can only do at the bank or post office. For some mysterious reason, people who don't have internet at home tend more often than not, to be the same people who have been out of work for some time or who are low on education.
Three years ago when I bought a clothing item on Ebay from England, i realized there was no way to send a money order of 15 pounds in the mail, to be withdrawn from my bank account and recounted in GBP to the seller in the UK without me paying more
than that sum in bank fees (I live in Sweden). The recipient would have had to pay an extra fee too. She didn't have paypal or a company account so the money couldn't be sent electronically, without a receipt, and banks here had stopped offering any option for direct, cheap money orders to someone abroad on paper. I ended up just sending her the bills in an envelope, fifteen guineas. That kind of payment is clearly a casualty of the internet; without online access people get forced to difficult and expensive solutions.
I am not aware of banks charging a big fee for using a paper check to pay a bill. But perhaps you should define what you mean by big fee. You say if you walk into the bank you may get to wait 45 minutes. And this is different from before the internet was widely used for banking exactly how? You say customers have never been asked if they want this. No one asked me if I wanted to wait for an 30-60 minutes at the DMV either, but it happens anyway.
Before the internet became widespread, service for ordinary day-to-day customers - not people who were out to consolidate their stocks and bonds portfolios, but people who came in to cash in money orders, pay bills and take loans - was a lot more vigorous than it is now, and having to wait more than twenty minutes was quite unusual. Everyone can see why the banks have redisposed their workforce (they don't make any money on that kind of customer, though they still lend out the money those folks have in the bank to others) but this isn't something their customers were asked about - and unlike car maintenance, the bank is something we have to be involved with every other week, some on an almost daily basis. Only many of us are happy to do bank errnads and bills at home these days. Some can't afford that luxury.
These days most universities, libraries and even many grade schools now offer internet access. So it's not as if students without internet access at home are bereft of the opportunity to compete in education.
Ever tried to write essays, papers and reports, two or three a week sometimes and revised and checked against data that are only easily accessible online, checking your pages in several steps - doing that on library pc's during library hours *only*, and achieving impressive results? Didn't think so. It's feasible for maybe the first term of a subject, but no more than that. Once you're expected to prepare presentations of "current issues in this field" or longer, more advanced texts, and do that two or three a week, perhaps for different courses you're taking, it becomes impossible to keep up the pace and make the texts match your intentions, dedication and skills. And if you don't keep up the pace for the first two terms (and each new year after) you're plainly not getting further in most subjects because no cash; endowments and loans depend firmly on your achieving expected study results. Unless your family will pay your way, that is.
Besides, if the libraries in a town have fifty online pc's, how much does that suffice to serve tens of thousands of high school and college students as long as these don't have connected pc's - or any
pc's - at home? In your time, in the infancy of the internet, it was no doubt possible to deliver homework typed or handwritten without giving an impression of shoddiness to the professors. That's no longer the case. Smooth computer print-outs are expected today, and anyone can tell you how the thing looks matters in academic competition.
I notice you made no reply to my post earlier on this page. Must be because it nails some key issues about the UN pronouncement, and about states and citizens, issues which you don't want to touch upon.