Moving in, with money

For the millions of Americans who move themselves, and their money,to new homes every year, the saying "you can't take it with you" cantake on a whole new meaning. Delays in transferring bank accountscan mean problems cashing checks and a shortage of cash.

Newly-arrived immigrants may get caught in the "float" period -the time between the date their new account is opened and the datemoney can be withdrawn.

Bank float, whether necessary or not, is avoidable, according toCitibank U.S.A., a division of the New York-based Citicorp bank. Itoffers …