Money market deposit accounts (MMDAs): a. have floating maturity dates. O b. are federally insured. C. are offered only by credit unions. O d. pay the lowest interest rates of any bank accounts with check-writing privileges e. allow free unlimited check-writing privileges every month. Money market mutual funds (MMMFS): O a. are federally insured. O b. pay interest at rates of 1 to 3% lower than those paid by a regular savings account. O c. are offered by savings and loan associations (S&Ls) and credit unions. O d. allow check-writing privileges above a stipulated minimum amount. O e. have floating maturity dates. People who do not have checking accounts often use: O a. cashier's checks. O b. preauthorized deposits. O c. certified checks O d. demand deposits. O e. overdraft protection. Savings deposits are also known as: a. negotiable order of withdrawal (NOW) accounts. O b. direct deposits. O c. share draft accounts. O d. time deposits. O e. demand deposits.