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| 4 | this type of checking account pay customers interest |   
| 6 | to designate oneself as the payee by signing a check |   
| 7 | this type of checking account requires no minimum balance and charges no maintenance fees |   
| 8 | check returned to drawer's account and funds are withdrawn |   
| 10 | when the amount paid out by the bank exceeds the amount in the account |   
| 11 | this type of checking account are owned by more than one person |   
| 12 | personal identification number |   
| 13 | used  to make deposits |   
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| 1 | A written order used to tell a bank to pay money from an account to a check holder |   
| 2 | Electronic Funds Transfer - initials |   
| 3 | a check is written to this person |   
| 4 | not enough money in the account to cover the check |   
| 5 | this type of account one person can make withdrawals |   
| 9 | automated teller machine |   
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