It is also important to mention that the free version may have limits on some tweaking options. But you can always buy the Lifetime version for the tool in order to remove all the restrictions its free version has imposed on.(c) (West Supp.2008) and provides that "[a] credit union shall not provide non-banking services... and shall not to engage in payment or settlement services including the acceptance of demand deposit, time deposits, travelers' checks, or other similar instruments as define