It is a matter of fact that each two out of three persons in the wonderful world of today have experienced the necessity for an urgent advance loan sometime or another. There are numerous possibilities today for procuring payday loans, but very few happen to be as prompt and successful as pay day loans. However, even pay day loan schemes can possess their limitations. For instance, the verification of someone's identity, credit history, bank-account records, and employment record can be hugely consuming. Among the solutions to this issue is the checking account pay day loan scheme.