Banks can offer deposit and checking accounts for the new currency, just as they do with any currency.

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The same also applies to a basic bank deposit account, like a checking account.

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For example, a "single account" is one account category that includes deposits in checking, savings accounts, money market deposit accounts and time deposits such as certificates of deposit (CDs).

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According to a 2008 study by the Federal Deposit Insurance Corporation, 9 percent of checking accounts incur 84 percent of overdraft fees.

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CreditSights, a research firm, points out that the bank's deposit growth has been stagnant: deposits at its checking accounts grew only 1% in the second quarter compared with the year before, even though the bank has expanded hugely in the meantime.

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Free checking has quickly become a thing of the past as banks deal with new rules on deposit and transaction fees.

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Well, interest rate baring checking accounts currently pay out an average interest rate of .08 percent, according to the Federal Deposit Insurance Corp.

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