Not always immediately but within the standard processing time for checks, which is usually by the next business day. You could ask the teller to verify the check for you if you are concerned it will not be properly paid.
No. He cannot access your checking account to view the balance or to withdraw money. However, he will be able to access your account to credit your monthly paycheck or salary through direct deposit. Even during direct deposit, he wouldn't be directly accessing your checking account. Instead, his bank would be doing that by means of direct deposit instructions to your bank.
Direct Deposit
ING offers a very simple web interface and a low fee checking account. They do accept direct deposit from your employer.
If you would like your paycheck to be deposited directly into your bank account by your employer, so that you do not have to deposit it yourself, you can ask your employer to do that. (You will have to provide a void check, so that the employer knows which account to use.) Many companies, but not all companies, do this for their employees. Even if your employer does not currently offer this option, perhaps a new procedure can be introduced for the convenience of everyone. You can suggest it.
Money in a checking account is called demand deposit.
Yes. There are no restrictions as to who can deposit cash into a checking account. Anyone can deposit cash into anyone else's account as long as they know the account number of the account into which they want to deposit cash. For ex: I can walk into the bank branch where you hold a checking account and deposit $500 into it if I know the account number. Nobody will ask or question me as to why I am doing so…
You use the automated clearing house (ACH) system. Your employer can direct-deposit your earnings into your online account, and you can access them using a debit card provided by the online bank.
To set up direct deposit pay on a checking account, you will need to provide your employer with the necessary information, such as your bank account number and routing number. They will then initiate the direct deposit process by sending your pay electronically to your checking account. Once set up, your pay will be automatically deposited into your account on the designated pay dates.
Demand Deposit Account
I think it is US $ 500 for a simple checking account. The bank would give you an ATM card and a check book for this account. However if you arrange to have a Direct Deposit (Your Monthly Salary/paycheck) into this account Bank of America waives this minimum balance requirement and you can have it as a Zero-Balance checking account.
money in a checking accountMoney in a checking account
You need to contact your employer and give them the new account number. You will most likely need to fill out a form giving them the routing number at your bank and the account number of the account you want it deposited to. Changes like these are usually done through the employer not the bank.