Bank accounts basics

Do both my spouse and I have to sign the back of a check made out to us?

I received a check that someone forgot to sign. Can I still cash it?

I received a check where the words and the numbers for the amount are different. Is this check valid and for how much?

What does it mean for a check to be indorsed "for deposit only"?

What is a credit union share draft account? Is it a checking account?

What is the difference between a checking account, a demand deposit account, and a NOW (negotiable order of withdrawal) account?

My bank/credit union no longer provides copies of my cancelled checks with my statement. Can the bank/credit union do that?

Can I close my account whenever I want?

Does my bank/credit union have to send me a monthly statement for my checking account?

Can a bank or credit union cash a post-dated check before the date on the check?

How do I avoid ATM fees?