SELECT T1.custid ,  T1.name FROM accounts AS T1 JOIN checking AS T2 ON T1.custid  =  T2.custid WHERE T2.balance  <  (SELECT max(balance) FROM checking)
Find the name and id of accounts whose checking balance is below the maximum checking balance.
[Schema (values) (types)]: | small_bank_1 |  ACCOUNTS : custid (text) , name (number) | SAVINGS : custid (text) , balance (number) | CHECKING : custid (text) , balance (number);