The second option for $3 seems pretty good. Make a deposit on a Friday and you can't get cash till Monday but you can make purchases and they will be covered. I'm against any type of percentage based charge as with the first option. It's a rip off because any Walmart will charge $3 or $6 for a large check.
http://www.regions.com/personal_banking/mobile_banking.rf
Available Immediately
The cost of this option ranges from 1%-3% depending on check type and amount with a minimum of $5.00. Guarantees immediate access to deposited funds, which can instantly be used to make transfers, pay bills, spend on your debit card or withdraw as cash at an ATM. Requires Regions approval, which typically takes 5 minutes or less. After approval, we will provide you with the exact cost which you may accept or reject.
Available for Processing Tonight
The cost of this option is $3.00. Deposits made on a business day before 8 p.m. CT will be processed that evening and made available to cover items presented against your account during that same business day. You will be able to access the funds on your debit card or at ATMs the next business day. Saturdays, Sundays and federal holidays are not business days.
Standard Mobile Availability
The cost of this option is $0.50. Deposits made before 8 p.m. CT will typically be available in two business days. Saturdays, Sundays and federal holidays are not business days.
