@Anna Maher
Hi Anna, I use US Bank. There is a branch centrally located in my little town, which is perfect. All my LLC accounts are set up with them (I have a separate LLC for each rental for asset protection) so there are no fees to transfer the money. I do use a small local bank for my loans but I don't do my day-to-day banking with them. In my opinion, US Bank has the best online banking that I have used and that's why I prefer them because I do most of my banking online. The local banks online systems pale in comparison and are pretty clunky to use.
Unfortunately, other than writing the unit number on the deposit slip, there is not much else you can do to determine who has paid. Several of my mobiles have different rents that were grandfathered in, so that helps, but several are on the same rent and occasionally someone will forget their printed deposit slip and just go to the bank and hand write one out and not put the unit number on. Then it's a case of waiting until everyone has paid and do a process of elimination. It's not perfect but it's a lot less hassle than collecting cash in person.
I don't think Cozy would work in my situation because of the different backgrounds. ie. some tenants are elderly and don't understand that stuff, I have a tenant who is mentally disabled and wouldn't be able to do it and several that are low income and like I said before, only deal in cash. So, for now, this way seems to be the best way for my situation. Hope this helps.