For each of the following, write on the blank line the letter of the word or phrase that best answers the question or completes the statement. 11. Which following statement is true of Internet banks? (A) most of their services must be paid for with service charges (B) their low overhead costs allow them to pay higher interest rates on savings accounts (C) most Internet banks also staff physical banks and branch offices (D) they have high operating expenses because they must maintain enough staff to be available 24 hours a day 12. What banking service ensures a financial institution will honor a check even if it exceeds the account balance? (A) stop-payment order (B) overdraft protection (C) money order (D) check certification 13. What kind of checking account is a combination savings and checking account? (A) basic (B) interest-bearing (C) lifeline (D) personal 14. Which savings product requires a person to commit his or her money for the longest period of time? (A) interest-bearing savings account (B) high-yield savings account (C) passbook savings account (D) certificate of deposit (CD) 15. Which form states the total interest earned during a tax year? (A) Form 1040 (B) Form 1099-INT (C) Form W-2 (D) Form W-4