mamaliz,
u ada account with POSB... u apply current account. but before dat, u practice ur signature.
coz if ur signature tak consistent, some bank officers tak approve.
anyway, u can get dat book over the counter...
For POSB, i tahu, u can have $0 in dat account, so long ur savings ada duit... coz if current account takder duit, dey can access to your savings account.
i got mine 12years ago. now with ibanking, i dah tak sentuh dat chequebook.
saper2 yg request, usually immediate family members, i just kasi & they trf cash into my account, and issue.
but now, i think u kena deposit $500 to open account...