Alva Review-Courier -

A few years ago, my employer (Northwestern Oklahoma State University) started depositing our income automatically into our bank accounts rather than giving us paychecks. I did not like it, but I had no say in the matter. One of the employees in the payroll office asked me why I was objecting since automatic depositing was saving each of us from having to make a trip to the bank.

I told her that I preferred receiving a check because I did not always put my income into the same account. She was incredulous. “You mean you have more than one bank account?” she asked me. When I told her that I had...