We are thinking about going one day a week to a local retirement home to cash checks and open accounts. I looked in the state statute and see that if we are considered a mobile branch we would have to make application including a filing fee 30 days before wanting to start. We were considering this to be a little community service. We are aware of security precautions and insurance issues.

Does anyone have any information on this? Is or Has anyone done this?

Our personal bankers will go to businesses and open accounts for their employees - but we don't accept deposits there. The employor sets up direct deposit for them. The FDIC will require that you apply for a branch license or these deposits won't be insured. You could apply for a courier branch where you hire someone to pick up their deposits and then those deposits are actually validated at the banking office.