Time to get on my bandwagon again.
There are no correct answers to this, & no wrong ones either. Because every Casino has a different rule for this eventuality.
You may well ask yourself, why it is that the Casinos make the rules? Well they have to, because we poker players have not had the wit & foresight to organise a governing body. (And that's NOT a players Union). And thus there is no coherence or consistency to our rules.
So the answer to your question is, "it just depends where you ask it".
But for practical purposes, AdamM wrote a splendid article for blonde, especially for Home Games. You can find it in our News Archives, or here.....
http://www.blondepoker.com/BeginnersTips13b.htm