People usually play at levels from beginners to decent. The meetings tend to be very social. Conversation during the games or about the games is normal. Each meeting we will have several boards set up and a couple clocks available for use. There are usually a couple people not playing at any time who might play you.
Membership is free for the first three meetings.
This money usually goes towards buying chess boards and clocks. Guests are always welcome to our meetings. A nice article on club chess.