For an owner such as Taylor, who paid $88 million for the entire franchise two years ago, the check writing has only begun.

Moreover, shareholders will pay for services like check writing and wire transfers.

"A lot of them are in for larceny or shoplifting or hot check writing, but the real problem is drugs."

This program - which also offers direct deposit of paychecks and free check writing - was formally introduced in late May but began earlier at some companies.

The accounts consolidate personal finances and offer check writing and debit cards.

Subsequent copies of the program, which combines check writing, budgeting and portfolio management with advice from Kiplinger's, will sell for $69.99.

This document appoints an attorney-in-fact to function in place of the incapacitated person, from simple check writing and bill paying to important health-care decisions.

The card offered check writing and a chance to transfer existing balances to the MasterCard.

Telecheck Services, which monitors check writing, said that the mid-Atlantic region was the strongest, with sales measured by check writing up 4.5 percent, as against an average rise of 3.1 percent.

Given the budget deficit, the modest Federal role in education and the President's social philosophy, there may be more pot stirring than check writing.