Like Missy, I banked with CBR. It was so simple. My OBGYN recommended CBR. He said he banked his own children's blood there. He felt they had the best reputation and he liked that they were in Arizona where you don't have to worry about natural disasters taking out a storage facility. I now have 2 children and used CBR for both of them.
If you contact them, they can answer all of your questions and go over all of the payment options. With my daughter we paid it in full and my son we had to do payments over a 6 month period (no interest). They also offer discounts so be sure to ask. After you pay around $1500 for the initial collection, there is a storage fee of $150/yr for 18 yrs. If you pay that in one lump sum, they also offer more discounts.
After you agree to bank with them, they will send you a kit. Be sure to bring it to the hospital. Also, inform your doctor that you want to do this. Mine did not charge extra, nor did the hospital. After the baby is born and the blood is collected (completely painless) CBR gets notified and someone arrives within 4 hrs to take it.
I banked because my MIL was diagnosed with leukemia while I was pregnant and a friend of mine lost her 7 year old to leukemia all around the same time. I would rather throw away the money and never use the stem cells than to not bank and hate myself forever for not investing in something so simple. I truly hope I wasted my money! But just in case....
Definitely discuss this with your OBGYN . Also, CBR (or any other bank) would probably be happy to answer any questions/concerns for you. Congrats to you! May you have happy, healthy birthing and a happy, healthy baby!!!