How do people use checking accounts differently from the way they use savings accounts? People use checking accounts to deposit money earned from their primary jobs, while people use savings accounts to deposit money earned from second or third jobs and gifts.
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People write checks or use debit cards to pay for goods and services with the money in checking accounts, while the money in savings accounts is not generally accessed as frequently.

People use checking accounts to build up funds over long periods of time in the hopes of making large purchases, while people use the funds in savings accounts to meet their regular expenses.

People open checking accounts if they will not need to access the money deposited in them for several months or years, while people open savings accounts if they will need to access the money deposited in them much sooner.