11.   Burke said she plans to meet with the department director, Lynn Bayer, next week to urge speedy availability of direct deposit.

12.   But about one-fifth of all federal beneficiaries do not have a bank account in which to make a direct deposit.

13.   But most analysts contend that the customers suited to online-only banking are those who receive money by direct deposit and rarely write checks.

14.   Customers will receive funds by direct deposit, use a debit card to shop at stores accepting such cards or make withdrawals at automated teller machines.

15.   Deposits can be made through the mail or electronically, by direct deposit.

16.   Direct deposit is expected to speed up the delivery of refunds by approximately a week.

17.   Direct deposit eliminates the possibility of checks being lost or stolen.

18.   Direct deposit was offered to all taxpayers, including paper filers, for the first time this year.

19.   Direct deposit, wire transfers, and ATMs, if they happen to be owned by the Internet bank, are all options.

20.   Direct deposits of paychecks and benefit checks rob the Postal Service of other potential revenue.