I'd like to open a current account .   Certainly . May I see your social security and your ID , please .   Here you are . I wonder how much interest can I earn from a current account .   Oh , current accounts don't pay out interest .   Why is that ?   It's primarily designed for business transactions . That is , writing checks to pay for bills , buying things and sending money . We won't expect a large amount of deposit in a current account .   I see . How do I draw money for my own use then ? 