Typical day if you are a cash carrying member:

$50.00 worth of gas. Groceries spent $45.00. Stopped for lunch at ???? and spend another $15.00. End of day total = $110.00

Day 2: Go to bank and make another cash withdrawal.

Day 3 is like day 1. Different goods, though. More gas.

Day 4: Go to bank and make another cash withdrawal............

I use a credit card for everything and pay off at end on month.

Yeah, it sounds crazy. I cannot find anywhere with a Google search that you get hit with fees for monthly deposit totals that exceed $5,000.00. What AZ bank charges those kind of fees, please ?

I agree, it would be worse without the smart registers. But it is painful to stand there and watch the clerk struggle to count out 43 cents worth of change. 43 cents is fresh in my mind because I was given four dimes and three pennies last week. It was not one nickel, one dime, one quarter and three pennies. The clerk could not add 5+ 10+ 25 + 3 = 43 ! So I got four dimes plus three pennies.

Dude, if you pull into a town with no power it does not matter how much cash you have in your pocket. You ain't getting any gas because the gas pumps pump gas with electric motors. No power means no pumps pumping.

I looked at the Chase link. I see a bank with 3 tier levels of accounts. If you are a small business, for a $1500.00 balance you get free checking and the agreement that you can deposit up to $5000.00 cash per month with no extra fees. Banks have to hire people to count and handle cash whereas direct deposits are a no-labor transaction. So, if you want to run a lot of cash through your checking account and you don't want to deposit a larger amount of cash so the bank can make some interest off of your cash to help offset bank's labor cost of handling your cash deposits the then you are going ot pay a fee.

In that link, it shows that Chase allows you so many transactions per month before any fees are accessed. Unspoken is what the bank would define as a transaction. Also unspoken is how the bank classifies any checks you deposit. Checks, like cash, need human interaction; so does the bank classify any check in your deposits as cash? Or does each check you deposit count as one transaction?

The banker telling you that you can "get around it" by depositing at the ATM sounds strange. I just don't see every business owner lined up at the ATM to deposit of thousands of dollars of cash to avoid a $15.00 monthly fee.

So, I see a bank making its own policies for business checking accounts. I don't see anything anywhere that supports the notion that Arizona has some cash deposit limit in effect. I not saying that AZ does not have a law about cash deposits but I cannot find anything anywhere that talks about it.