Checking account types with greater fee potential are on the rise.

• Position: Tiered Interest Checking account

THE MAKE-UP OF CHECKING-ACCOUNT TYPES offered by banks and credit unions has changed since the end of the last recession in July 2009, according to a new analysis from MarketRates Insight (MRI), San Anselmo, Calif. The types of checking accounts that require deeper and wider interaction and commitment to banks and credit unions have increased. Here is a run-down of the account showing growth:

* High-balance checking accounts now make up 18.6 percent of total accounts offered--up 3.5 percentage points.

* Senior accounts now make up 9.3 percent--up 1.3 percentage points.

* Asset management accounts at 8.1 percent--up 0.9 percentage points.

* The greatest increase in the number of checking accounts offered occurred with the caps/rewards type of account--up 3.8 percentage points since the end of the recession. This type of account offers relatively higher interest rates and also offers rewards for the use of debit or credit cards linked to this account.

Tiered Interest Checking account, which traditionally was the work-horse of transaction accounts, has experienced the largest decrease since the end of the last recession--down 4.7 percent. Still, this account type makes up the largest percentage of account offered by financial institutions--38.3 percent of all checking accounts offered...