Wells Fargo does it. I use them all the time.

Most American banks have been bullied by the Bush administration not to allow online gambling transactions. So the easiest way to deposit is to buy one of those Visa gift cards they sell at CVS or Walgreens. There is no problem making a deposit that way.

Getting your money is easy too. You could have them send you a check or use one of the countless other ways to get your money.

I have deposited to PokerStars account using eCheck from my Harris bank account.

For cashouts it is easiest to request a paper check. These can be deposited like any other check to any banking institution.

Like you said the best way is with e-check into pokerstars or fulltilt (review at )
Also some prepaid gift visas

You have to go through a third party like Instadebit. Then transfer from them to your bank account. Check out this site and read the reviess and sign up to Full Tilt or Carbon Poker…I believe they both have Instadebit or another 3rd party online banking company…