The checking account, or demand deposit, is a deposit that allows the bank to deposit money in exchange for the obligation to return it immediately when the client requests it. In exchange for this deposit The bench It may or may not offer an economic remuneration in the form of interest depending on the money that the client has deposited. In checking accounts, the bank has the obligation to provide a "cash service" to the client that allows them to make payments and collections, cash income, payroll payments, direct debit receipts and order and receive transfers.