and it is 3 miles to the nearest one
3 miles is not that big a deal. Just take out all your money in cash each week and be done with it.
Same for the company I work for. You have 2 choices: direct deposit or your pay on a debit card with fees to get cash from the card and fees to use the card. My company does not issue checks anymore unless there is a correction in your favor to your payment amount. The only way the debit card makes sense is if you remove the entire amount posted to it in one transaction. They are hearding people to direct deposit by making it the only reasonable method of receiving your pay.