But I have a perfectly good checking account, you say? Why would I want to switch my account to Acacia Federal Savings Bank? Following are a few good reasons:

• You choose the features for your checking account that work best for you.
  
  
• With a direct deposit to the "Low Fee" Choice Checking you will not have a minimum balance requirement or monthly maintenance fee. You will have a FREE checking account.
  
  
• If you choose to keep a minimum balance of at least $500, you will earn a competitive rate of interest.
  
  
• With a Visa Check Card, you can access cash at ATMs everywhere that display the Star logo and make purchases at merchants that accept Visa. AFSB does not charge to use the Visa Check Card and, if the ATM owner charges you a fee, AFSB will refund up to $10 each month in ATM owner fees.
  
  In addition, Acacia Federal checking customers can now make deposits to their checking accounts in participating Star and CU24 ATMs nationwide.
  
  
• FREE first order of printed checks.
  
  
• FREE Online Banking 24/7 and 365 at www.afsbonline.com. With Online Banking you can check your balance, view account history for up to 6 months, transfer funds between AFSB accounts, order checks and pay bills.
  
  
• FREE telephone banking 24/7 and 365 by dialing toll free 888-ASK-AFSB.
  
  
• CheckLine Overdraft Protection that offers a lower rate based on the number of checking account services that you choose.
  
  
• FREE Bill Payer Service. Using Bill Payer Service saves time and postage when you use it to make reccurring or one-time payments.
  
  
• COMING SOON! Transfer funds between your AFSB account and your accounts at other Financial Institutions or transfer funds to another person online 24 hours a day, 7 days a week and 365 days a year.