The Adaptivemall.com works with customers to establish terms with any bank that handles a Special Needs Trust for them. By working with us to establish terms directly with your bank, you are able to establish an account and order product without having to wait for a check to be processed by the bank, sent to you, and then sent to the Adaptivemall.com. This makes your shopping experience with us more convenient allowing us to get you the product you need in a more timely manner. Please contact us at Toll Free 1-800-371-2778 to discuss your specific situation. We will work to set things up to best meet your needs!