text: Below is an context that describes a sql query, paired with an question that provides further information. Write an answer that appropriately completes the request.  # noqa: E501
  ### Context:
  CREATE TABLE accounts (name VARCHAR, custid VARCHAR); CREATE TABLE checking (balance INTEGER); CREATE TABLE checking (custid VARCHAR, balance INTEGER)
  ### Question:
  Find the name of accounts whose checking balance is below the average checking balance.
  ### Answer:
  SELECT T1.name FROM accounts AS T1 JOIN checking AS T2 ON T1.custid = T2.custid WHERE T2.balance < (SELECT AVG(balance) FROM checking)