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