Thanks for the reply David, No it was non-interest bearing checking, but they do make you open a savings as well...I put $25 dollars in it. I signed cards for both accounts. I opened the accounts yesterday morning, they called me in the afternoon. I felt bad for the girl I was working with, she was accommodating and apologetic, she was caught in the middle. Yes, I probably shouldn't have agreed verbally to shut the account down, as they were demanding a new sig card....live and learn.... They could not produce a law either.