33p0ints I usally keep about 1000 balance in my account. I never write checks and always use my debit card to pay for purchases. That averages and 25 transactions a month. I also go the atm three times a month. I want to use online banking to pay my bills. I have my pay check direct deposited into my account. Reshearch checking accounts and find a option you think is the best one for Karens mom. Include how you have arrived at your cost if you have the answer please comment first then i might make it 40 points