Basic checking accounts are the simplest type of checking account. They generally let you write checks, access cash from an ATM, and perform other basic banking services. However, these accounts aren't necessarily free. There may be maintenance or other fees, and you may need to maintain a minimum balance or sign up for direct deposit to qualify. Affinity doesn't really offer a basic checking account; our simplest account – the Cash back Debit Account – has value-added features like a 1% cash-back debit card and advanced mobile banking capabilities with no fee requirements if you opt for eStatements. Accountholders who want to receive paper statements are charged $2 per month