Checking accounts are one of the most important tools inmanaging finances. They allow for access to money, often with theuse of a debit card and personal checks. These tools can be used topay for bills online, by phone or in person. Checking accounts mayinclude an interest rate on money in the account or offer otherbenefits such as rewards points.Many banks now perform credit checks prior to issuing bankaccounts, making it important to keep a clean credit report andmaintain a high credit score. Those who have lower credit scoresmay be denied a checking account, or in some cases allowed anaccount with terms different than other forms of checking accounts.Often terms for those who are allowed limited accounts include morestrict limits on money that can be removed on a daily basis, aminimum r