A checking account, sometimes called a transactional account, current account, or demand account, is a deposit account at a bank or financial organization that allows access to funds on demand, primarily through the issuing and cashing of written checks or the use of debit cards. As checking accounts are intended to provide the service of making funds available, they frequently do not bear interest or bear interest at only a fraction of the rate of a savings account. Checking account balances are traditionally more volatile than savings account balances. Nearly every bank, credit union, and savings and loan association offers a variety of checking accounts. Many accounts are tailored to specific uses or have various limitations. For example, a high-interest checking account may limit transactions to several checks a month.