I used to be a big fan of direct deposit, ATM technology and online payments but now most of these services have or will have a fee attached.
A typical out of network ATM fee is $3.00 plus my bank charges $2.50 for the transaction. $5.50 total for a low voltage electronic transation. I should add that my bank does not have convenient locations even though it is a national bank (not BOFA).
I can go on and on about their supposed free checking and pathetic interest rates too. LOL
Basically.. no more electronic transactions if I can help it!