There are several types of checking accounts that banks offer.  Depending on your needs, you will find one of the following to be the right account for you.

Regular checking account often requires a minimum balance.  If the minimum balance is maintained, you will not be charged a monthly maintenance fee.  These accounts usually provide unlimited check writing privileges.

Interest-bearing checking account requires you to maintain a high minimum balance in order to earn interest and avoid fees.  Most banks require a minimum balance.

Low-cost checking account is right for you if you do not plan to write many checks.  The charge is usually less than $10 per month. There is a limit to the number of checks you can write.