Accounts maintained by retail banks that pay interest but can not be used directly as money ( for example , by writing a cheque or using a debit card at a point of sale ) .
Cash can be withdrawn from these accounts at an automated teller machine .
Accounts maintained by retail banks that pay interest but can not be used directly as money ( for example , by writing a cheque or using a debit card at a point of sale ) , although cash can be withdrawn from these accounts at an automated teller machine .