On a simple level, think of a checking account without routing and account numbers.

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Unfortunately, many amateur landlords make the mistake of jumping into the pool head first without first checking the water level.

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"It is easy to imagine that some of these interruptions could have led to forgetting of steps, including checking the fuel level, performing the preflight, " said Bill Bramble, an NTSB aviation expert.

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Bank of America, the largest bank in the U.S. based on the level of deposits, is testing a new fee structure for its checking account service which used to be free.

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Spot-checking zip codes on the coasts, though, shows a much higher level of participation, so it may heavily depend on where you live.

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