Thank you all for the info which I am checking out. Hagar-the website was very useful, but I can't locate the 11 regional branches you mention. Do you know what or where they are? Do they have a different name? I shall be living in NE Creuse, and as far as I can see the nearest CCFs will be Limoges or Clermont-F. For me, Gueret, Chateauroux or Montlucon would be nearer. I have a Maestro card, and in England you can withdraw money from many other banks ATMs without charge. I have also withdrawn money from my English current account, in France, with the Maestro card, but paid a £1.75 fee for that. I would naturally look to open a French account where I'm not paying a fee to get at my own money (as would we all!). What are the charges like comparing writing cheques ,to using a debit card? Either with CCF - or anyone else's experiences?