You're lucky. It used to be that to link bank accounts, one bank would send some amounts less than $1 then immediately retrieve the deposits, then you had to tell the bank how much the deposits were in order to prove you own the account. Now they use Plaid instead, and Plaid requires giving them your username and password to your bank account. Plaid will then verify you own the account. It's crazy!
en.wikipedia.org
"The company has faced controversy for scraping user data, impersonating bank login screens, and not properly disclosing the privacy risks associated with the service.[26] TD Bank filed a lawsuit against Plaid in 2020 accusing the company of trying to "dupe" its users.[27]
In 2021, Plaid settled a $58 million class action lawsuit over claims that it passed on personal banking data to third party firms without user consent. The settlement encompasses five separate lawsuits combined as one. Each claims that Plaid used consumers’ banking login credentials to gather and distribute detailed financial data without prior consent.[28]
Plaid has "exploited its position as middleman," the plaintiffs alleged. Approximately 98 million people are affected by the settlement. Claimants will be given the option to receive the settlement money automatically through payment platforms such as PayPal and Venmo."
My options to deposit a check is to send them the check through the mail, open an account at a bank that has a branch that I can walk into and then wire the funds to my online bank, or have a google account and the mobile app to deposit the check electronically.
I can't believe more people aren't bothered.