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The Checking Agreement (Girokontovertrag) is a fundamental banking document used to establish the contractual relationship between a financial institution and a customer for the operation of a current account in Germany. This agreement is essential for any individual or entity seeking to open and maintain a checking account with a German bank. It outlines the comprehensive framework for account services, including deposits, withdrawals, payment processing, and associated banking services. The document must comply with German banking regulations, including the German Civil Code (BGB), Banking Act (KWG), and various consumer protection laws. It's particularly important as it forms the legal basis for daily banking transactions and establishes rights, obligations, and liabilities of both parties. The agreement typically includes provisions for modern banking services such as online banking and payment cards, while ensuring compliance with anti-money laundering regulations and data protection requirements under GDPR.

1. Parties: Identification of the bank and account holder(s) with full legal names and addresses

2. Background: Brief context explaining the purpose of the agreement for opening and maintaining a checking account

3. Definitions: Key terms used throughout the agreement including 'Account', 'Banking Day', 'Payment Services', etc.

4. Account Services: Core services provided with the account, including deposits, withdrawals, and payment processing

5. Customer Obligations: Customer's duties including proper account usage, reporting requirements, and cooperation obligations

6. Bank's Obligations: Bank's duties including account maintenance, statement provision, and security measures

7. Fees and Charges: Basic fee structure and charging mechanisms (detailed fees in schedule)

8. Account Statements: Frequency, format, and verification procedures for account statements

9. Security and Access: Basic security provisions and account access procedures

10. Liability: Liability allocation between bank and customer, including unauthorized transactions

11. Data Protection: Basic data protection and privacy provisions in compliance with GDPR

12. Term and Termination: Duration of agreement and termination rights for both parties

13. Governing Law and Jurisdiction: Confirmation of German law application and jurisdiction