I switched to a Discover Bank checking account because I can earn cash back. It’s easy: I get 10 cents each time I use my debit card, pay a bill online, or write a check. I get up to $10 a month. But I already had a Discover Card, so keep in mind that to qualify for the checking account you either need a credit card or savings account through Discover. It’s worth the effort for the cash back, plus there are no fees or minimum balance required. And there are more than 60,000 ATMs for customers to use for free.