<prompt> Human: My mother will not open up a bank account for fear of getting it withdrawn because she owes about 20,000 in credit card debt in addition to having a foreclosed home. Normally, she uses my bank account to shadow her funds.But we ran into a problem this week - we recently moved from Oregon to West Virginia and my new bank is a bit different. For one, she cant deposit her check into my account without me being present. This wasnt true in Oregon. Perhaps because the bank where she is getting her check is not in state, but I just dont know.And guess what? My bank is only open when both of us work, making it absolutely physically impossible for her to cash her check for at least a week. It just cannot be done. When you consider the fact that the previous check we tried to cash went just fine, I already went ahead and bought myself a personal gift for my birthday - because I assumed her check would be there the next day.And now we dont have enough to pay our rent, because she cant cash her check. But we already sent the check for our rent because we assumed her check would be deposited. We are going to overdraft or our check is going to bounce.She tried going to walmart and other cash checking places, but they absolutely refuse to cut her a check. Apparently her check is too much and her credit score is too low. There is only one place left in town that she hasnt tried, and were starting to believe were going to get kicked out of our house or overdrafted.What is going on here, and what are our options? The bank her work uses is 200 miles away, and we could not afford to get there.  <response>: The check cashing issue aside, you need to get a handle in your finances as well. If you dont have enough for emergencies like this, you shouldnt be buying gifts for yourself. 