Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to understand different types of bank accounts [title] Know the basic function of a checking account. [step] Most adults need checking accounts in order to manage their money effectively. Checking accounts allow you to access your funds easily and use checks and debit cards instead of cash.

Ending1: [title] Understand that checking accounts do not typically pay significant interest. [step] Regular checking accounts pay no interest at all; they are meant only to fund your checks and debit-card expenditures. Ending2: [title] Understand the cost difference between a checking account and a credit card. [step] Credit cards charge interest and they provide the basics of making a check payment. Ending3: They are basic investment accounts that only require interest in real money to function properly. [substeps] Secure checking accounts are easy to open and can operate normally. Ending4: The main difference is that you withdraw money from checking accounts very easily. Knowing the basic function of a checking account can help you determine the best way to access it.

Answer format: ending1/ending2/ending3/ending4