By moving them up on the calendar, I mean moving them forward on the calendar which yes would be July and October... Thanks for the information on HRB, I will have to check that out... The banks around here pay .01% on checking accounts which is .0001 in decimal form... On $100,000 that would be $10 a year in interest... as Jed Clampett would say: "Pathetic, Just Pathetic"...