Acounts have specific feature that protect the bank from over spenders this allows them to take the check and send it back and charge a fee to the check owner.You can can also stop the check from being used in order to stop the transaction from taking place this happens if you lose a check or if some one els loses your check.Checking card are also privlages that take place this is a direct draw of money from the checking account

• Overdraft Protection: is a prearranged line of credit for overdrawn checks.