Find the name and id of accounts whose checking balance is below the maximum checking balance.
return accounts ;return checking balance of #1 ;return maximum checking balance ;return #1 where #2 is lower than #3 ;return name of #4 ;return id of #4 ;return #5 ,  #6
['select', 'project', 'select', 'comparative', 'project', 'project', 'union']