There are just three days left to make tax-deductable charitable contributions in 2008. Are you itching to donate a few dollars to take an ’08 tax write-off but don’t have time to decide which charity is worthy? A charitable giving account, aka a charity checking account, can help.

Charity checking accounts allow you to deposit funds that are tax-deductable in the year in which you deposit them and let them grow in the bank for as long as you want before dispersing the monies to charities of your choice.

Charity checking accounts can be especially useful if your investments have had a profitable year in the stock market, as you can contribute the stocks to the account, write-off the gains you would have had to pay taxes on from selling, and allow the stocks to continue to appreciate until you are ready to disperse money to a charitable organization.

See Charles Schwab charitable accounts for more information.