Which type of account allows a depositor to write checks against their balance?

A checking account is specifically designed to allow depositors to write checks against their balance, making it convenient for regular personal and business transactions. This type of account typically offers features such as unlimited deposits and withdrawals, and the ability to use checks and debit cards for purchases. Checking accounts are geared towards managing day-to-day financial activities, providing easy access to funds for payments.

In contrast, savings accounts are primarily intended for accumulating savings and generally do not allow checks to be written. Money market accounts, while offering some check-writing capabilities, often have restrictions on the number of transactions that can be performed each month. Certificates of deposit (CDs) involve locking in funds for a specified term and do not permit the writing of checks at all, as they are meant for long-term savings with limited access to the funds until maturity. Thus, the checking account is the most appropriate choice for writing checks against a balance.