I am a newbee just getting started in the hobby, I am retired for several years now and use direct deposit from my investments which I get a yearly statement but monthly I go online and check finances and pay bills. As most banks are now pushing online transactions as a way of saving costs. I have joined Preferred 411 and have seen several providers, But Michelle has informed me I need more references to get full membership! So far I received only 1 response from a provider which have responded to the P411 inquiry, This provider has called me back and informed me of the reference given and was helpfull in informing me of what is expected and what was not, we sat and talked for quite some time and was very informative.  As a newbee I understand and respect the need for safety for both parties involved and to be a gentleman at all times. Treat the lady with respect and act like a gentleman.

I don't have either one.  I'm not old enough. I just quit working when I figured I had enough money.Try to prove you don't work, lol.  
Cathy saved me a lot of money over the years, lol.  

very true. I'm still working, but get SS retirement and Medicare, but then as for working, I'm self-employed so have nothing to show that either. By the way, except fore unusual circumstances, no one gets a Social Security check -- direct deposit. They still send out a few checks to people who can't get a bank account, but pretty rare for retirees. You can prove you get SS retirement benefits (or disability) with a benefit letter from the SSA.gov website, its downloadable.