A debit card, ATM access, payroll direct deposit, and checks are basic features of _________________.

A checking account is designed to facilitate everyday financial transactions, making it the primary choice for activities such as receiving deposits and making payments. Features like a debit card provide cardholders with quick access to their funds, while ATM access allows for cash withdrawals and deposits. Payroll direct deposit is a common service that enables employees to have their salaries deposited directly into their checking accounts, ensuring convenience and immediate access to their earnings. Additionally, checks are a traditional payment method that customers can use to pay bills or transfer funds to others, which is a fundamental aspect of a checking account’s functionality.

In contrast, savings accounts are typically focused on accumulating interest and are not primarily designed for daily transactions. Banking encompasses a broader range of services and products beyond just checking accounts, while a money market account offers limited check-writing capabilities and typically higher interest rates than checking accounts but may restrict the number of withdrawals. Therefore, all these features align closely with what a checking account offers, confirming it as the correct answer.