What type of account would best meet Karen White's need for unlimited check-writing privileges and debit card access?

A checking account is the best option for Karen White's need for unlimited check-writing privileges and debit card access. Checking accounts are specifically designed for everyday transactions, providing features that facilitate regular access to funds, such as the ability to write checks and use a debit card for purchases and withdrawals.

Unlike a savings account, which typically has restrictions on the number of transactions, a checking account allows for unlimited deposits and withdrawals, making it ideal for managing day-to-day expenses. Additionally, checking accounts often come with additional features such as overdraft protection, mobile banking, and direct deposit, enhancing convenience for users.

Money market deposit accounts usually offer limited check-writing privileges and may have a higher minimum balance requirement, while health savings accounts are specifically intended for medical expenses and may not provide general access for typical spending needs. Hence, a checking account stands out as the most suitable choice for Karen's requirements.