One of the first things you do when you move to a new place is establish a checking account with a local bank. We can all tell stories of inexperienced people and their checking account problems. I remember a student who wrote check after check, only to discover he had no money left in his account. In exasperation he explained to the teller, "But I still have some checks left."

My sister-in-law, during her first semester in college, receiveda notice from the bank that she was $27.60 overdrawn in heraccount. She calmly sat down and mailed the bank a check for$27.60.

There was a young minister in graduate school who had never had a bank account. He was sent out to preach at a small country church. At the close of the service the treasurer gave him a check. He didn't know what to do with it. Th…