Automatic (Online) banking
With this type of arrangement you will be handling your money less so you won’t be so tempted to play games with the account. The typical bank charge is about $7 a month to handle one’s money in this way—quite a bargain; at least half of that would be paid in postage alone. Your bank will be able to answer all of your questions.
The CCBA's sponsored Credit Union (available throughout the US) provides this service to members at no additional cost.
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