We opened an account at Credit Agricole in Tinchebray, Normandy. We asked for a cheque book and it was sent to out address in UK. There seemed to be no charge for this - but each time I transfer Euros from HIFX there seems to be a charge of about 13 euros . We also have a debit card from the same account ( also an annual charge ) They would not send these cards, but we had to collect it from the branch . The cards were ready when we called. As our house in France is for holidays we have not given the bank our French address and there seems to be no problem. Statements arrive regularly and diect debits have been set up OK. No problems yet...but it is early days . We have no complaints so far ( I know lots of people on the forum do about Credit Agricole!!) Staff are always friendly and obliging. We set up a deposit account linked to the current account and transfer money over OK. Good luck ! Gaynor