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rewards, and personalized advice as your banking pros and cons before deciding where to open a checking and savings account simultaneously. This account offers more benefits than a traditional checking account, which can include cash back on purchases, and other benefits. Earn points on things like. Pros and Cons of Interest-Earning Checking Accounts · Rates: The rates offered on checking accounts are generally lower compared to savings accounts or. Pros · One of the few banks to offer cash back rewards with a checking account · Offers checking accounts for every phase in life, whether you're starting out or. bank or any bank affiliate. Reward Checking. Choose this account if You want to earn our highest available interest rate for a checking account. Fees.