Indicate whether each of the following statements is true or false. If false, indicate how to correct the statement. 

a. Only deposits can be made at an ATM. 

b. The routing number is a 9-digit number at the bottom of each check. 

c. A special endorsement on a check allows the check to be deposited to another person’s bank account. 

d. A debit memorandum could explain a service fee that the bank charges.