Natasha has $1000 to open a checking account. she can maintain a monthly balance of $600. she also has a savings account at the same bank. her employer offers direct deposit and she plans to use online bill paying. she writes about eight checks per month. she curnatasha has $1000 to open a checking account. she can maintain a monthly balance of $600. she also has a savings account at the same bank. her employer offers direct deposit and she plans to use online bill paying. she writes about eight checks per month. she currently uses the atm machines at several different banks. natasha sometimes overdraws her account. rently uses the atm machines at several different banks. natasha sometimes overdraws her account.