Tip for you:  If you join the Target Credit Union and have your pay direct-deposited, you will actually get access to your money two days earlier, on Wednesday. Also, you can use your Target CU debit card in-store to obtain the 10% TM discount (though not online at target.com).  You might link your debit Redcard to the CU account if you make a lot of Target online purchases.  The checking account fees are very low. Check it out.