往来户口又名支票户口，是一般银行服务的其中一种，主要让存户可以透过支票来付账。往来户口的普遍程度，很大程度受到当地的付款文化及往来户口设立的限制而受影响。举例说，在北美地区，以支票付账很普遍，所以要设立往来户口亦很方便；相反的，在香港，要设立一个往来户口，需要提交很多证明文档，使往来户口的设立变得困难，亦使用支票付款反而没有信用卡付款的普遍。

过往的往来户口只为客户提供付款服务，但由于银行同业竞争激烈，现时不少银行都有为往来户口提供免退票保证或透支服务。一般的往来户口都没有存款利息，以用作抵销服务收费，但现时有些银行已开始为往来户口提供存款利息。例如在英国，除了商业的往来户口没有利息之外，当地四大银行（劳合银行、柏克莱银行、西敏银行及汇丰银行）都有为个人往来户口提供0.1%的存款利息。

A transaction account, checking account, or demand deposit account is a deposit account held at a bank or other financial institution. It is available to the account owner "on demand" and is available for frequent and immediate access by the account owner or to others as the account owner may direct. Access may be in a variety of ways, such as cash withdrawals, use of cheques and debit by electronic transfer. In economic terms, the funds held in a transaction account are regarded as liquid funds.