Why does my checking/savings account offer a higher interest rate than a standalone savings account?

What is the average interest rate for a checking account?

0.03%

Average Bank Interest Rates: Checking, Savings and Money Market Rates. The average bank interest rate for interest checking accounts in the United States is 0.03%. Meanwhile, the average savings account rate is currently 0.06%, and the average money market account interest rate is 0.09%.