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Checking accounts do not have limits on the amount of transactions that can be made from them. If you plan on withdrawing cash or making purchases with a debit card, then you still need to get a checking account.

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Q: Is it smart to get a checking account if you don't plan on writing checks?
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Banks charge you fees to keep your money and dispense it as requested. But you can avoid those fees with smart use of a savings account. You can open a savings account at any bank, but they will charge you monthly fees to have it. Avoid the fees by opening your account where you already have your checking account. You will probably be able to avoid monthly fees on the savings account and may even be able to have the fees for your checking account waived. If you already have a checking account, all you will need is your account number and your driver's license or state ID card. If you do not have a checking account, the bank may want to see your social security card or birth certificate, as well.


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