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It would be more beneficial to pay a monthly service fee instead of per-check fee if you need to write a lot of checks, swipe your debit card for daily transactions, or simply require more services from the financial institution that you are getting a checking account from. Per-check accounts usually don't provide free customer service.

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Q: When would it be better to have a checking account with no per-check fee and a monthly fee rather than a checking account that is cost-per check?
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