California’s largest credit union, Golden 1, continues promoting its free checking account.  During March, 2012, a simple two-panel marketing flyer or buckslip is being distributed inside the branches in brochure holders located at the teller windows.  While this is great news, the words “FREE CHECKING’’ are the smallest words on the front of the flyer as you can see below.  And the words “Zero,” “Zip,” and “Zilch,” are not carried forward and explained on the back panel.  This particular financial institution has, for years, had its own in-house creative agency which accounts for much of its mediocre creative like the piece shown here.  It is very important that banks and credit unions offering free checking continue aggressively marketing the account through multiple marketing channels.