A standard checking account is simple and to the point. With holding a checking account, it will include a debit Mastercard. The account owner can apply for a credit line, and as mentioned, if approved, they will not need a new card. The credit line will just be added to their account as a resource when not using a PIN. One can order checks, but with many things supporting using a credit or debit card, the likely need for checks is likely to be minimal.