🚀 go-pugleaf

1)  I have a friend with a checking account which is always below
$500 and will go below $100 at least once a month.  He currently
pays $10/mo. for having this account (due to <$500 balance) plus
per check charges for going over his monthly allotment.  Free ATM
access is limited to the bank's three branches.  ATM access is
limited to only one of those ATM networks.  Do you think he's
getting a bad deal for paying $120/yr. for using this bank?  
If so, where should he bank in order to minimize monthly fees? 
Assume he will try to maintain at least $100 in his account and
that the bank is in the Los Angeles area.

2)  I have a Bank of America checking & savings account in
southern California.  I attend UC Berkeley (northern California)
during the fall and spring semester and stay in southern
California during the summer and winter break.  Is there any
reason for changing to a northern California bank or having
accounts in both places?

3)  Like I said before, I have a BofA bank account.  What is so
good about electronic banking?  Can I just type payable to
"Pacific Bell" and be done with giving money to the postal
service?  How much does it cost to use it?  How much is the
software?

4)  I have a Discover card.  One time I decided to get cash back
with my purchase at Safeway and see if it is a free cash advance. 
It turned out to be free.  The cashier there said I could take as
much as I wanted.  Since it was 3am, I decided to go for $30
instead of $300.  I heard the limit was $30.   What is the
official word on how much I can take?  Does this apply to other
supermarkets that take Discover cards (cash advance and cash
advance limit) like Alpha Beta?  

Please reply be email to johnwu@netcom.com since I do not read
this group often.
-- 
John M. Wu                "And if a double decker bus, crashes into us
johnwu@netcom.com          to die by your side, is such a heavenly way to die"
jmw@ocf.berkeley.edu         - There Is A Light That Never Goes Out
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