<prompt> Human: I live in Massachusetts, I currently dont have a bank account so direct deposit is unavailable. I pay for everything with cash so this fee is real annoying. Is my only option to take all the money I can out at once to avoid the fees? Am I allowed to request paper checks?Thanks guysEdit: Thank you uecon0mist, and everyone else commenting. Im going to talk to TD in the morning and see if I can get an account opened before my new jobs first payday!  <response>: I think you should get a bank account, unless you are afraid of creditors levying those accounts. Of course, any creditor that wanted to do that could just garnish your wages directly from your employer. 