A checking account is a deposit account held at a financial institution that allows withdrawals and deposits. A checking account offers easy access to funds for daily transaction needs and helps keep cash secure. 

Members can use a debit card or checks to make purchases or pay bills. Accounts may have different options or packages. 

Unlike savings accounts and certificates of deposit (CDs), checking accounts don’t place many restrictions on how often you can access your money, which makes them ideal for everyday spending. To determine the most economical choice, compare the benefits of different checking options.