public abstract class Account
{
    public Guid PKey { get; set; } = Guid.NewGuid();
    public string Owner { get; set; }
}

public class CheckingAccount : Account
{
    public int Fee { get; set; }
}

public class SavingAccount : Account
{
    public double InterestRate { get; set; }
}

using(MyContext ctx = new Context())
{
    CheckingAccount ca = ctx.CheckingAccount.Find(pKey);
    SavingAccount sa = ctx.SavingAccount.Find(pKey);

    if(ca != null)
    {
        Console.WriteLine("It's a CheckingAccount!");
    }
    else if(sa != null)
    {
        Console.WriteLine("It's a SavingAccount!");
    }
}