The following seem reasonable to me:
Several other behaviors could be included, but these three will be enough for a simple example.
Also, we need a constructor to create objects from the class, so we must decide what the constructor should do. It seems reasonable that it should create a new checking account and initialize it with the account number, the account holder's name, and starting balance.
Now we have a fair idea about what the class looks like:
For a large project,
creating specifications is  hard because objects 
interact with perhaps hundreds of other objects.
In this example program, objects interact only with
main().
Is there enough information to start writing the program?