I didn’t have the option to have my bank send it in, but I printed a check for each kid each month to cover school lunch costs. I don’t know what it cost them to process the checks, but it wasn’t all that inconvenient for me to do. If there had been a no-cost way to load funds online I would have done it, but it wouldn’t have been much more convenient for me. I’m not going to pay extra to make it easier for them.