by 
The Curious Bag
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A checking account is an account at a banking institution in which checks may be written to make payments. It allows you to withdraw and deposit funds from a federally protected account. Checking accounts are convenient, and most institutions offer free checking, plus Visa check cards or ATM cards that can be used nationwide wherever Visa is accepted.
Personal Checks
Although checking account terms vary from bank to bank, they allow you to use personal checks, which are processed by the bank, in place of using cash for purchases.
Check Cards
Most banking institutions allow you to use ATMs (automated teller machines) if you have access to a check card or debit card to access your account and cover your expenses. Fees often are involved with this process
Check Safety
Paying with checks is safer than using cash when ordering by mail.
No Limits
There no federal limits on the amount of electronic transactions you can make each month.
Access Options
Checking accounts offer the account holder many ways to access the account, make transactions and get account information. You can transfer money via other accounts or lines of credit, pay bills online at no cost and check your account information through your bank' website.
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