Interest Checking: This account features everything that a regular checking account has, but it includes an interest rate, so it acts like a regular savings account. Sounds too good to be true? It might be, depending on how much the monthly charge for maintaining such an account is at your bank - it's usually a good deal higher than the monthly fee for a regular checking account. So you have to make sure that you always have enough cash in your account so that the interest outweighs the monthly charge.