Oh yeah, fwiw, I went to the Briarwood Schwab office shortly after it was discussed in this thread, and what they do is physically accept checks at the local A2 office, but nothing is actually processed here... They have a daily overnight to some central office and they add the checks in with that, and that's where the actual processing is done.
so it's not a bank branch (no dealing with cash) or anything like that, just gives a quicker option to "deposit" checks..
but access to cash isn't an issue at all, since all ATM's are free (all charged fees are automatically reimbursed @ monthly billing cycle end).. Just depositing cash is a problem with that setup
Who deposits cash in the first place, other than criminals? I think I'm going to move all of my banking/investing to schwab.
when my sister moved back from Boise last month, she sold a ****load of her stuff so she didn't have to move it (first time she had to move herself / the company wasn't paying for it), and she had a lot more cash than she wanted to carry though the airport.... Ended up just buying a money order to herself for a $1 or so and "deposited" that at her local Schwab office.. Not a bad option if you ever have to do it