You need a safe environment to keep your money that also allows you easy access to it.
This is where a checking account can help.
A checking account is an account that you have with a bank.
They hold your money and allow you to withdraw it, buy things with it and pay bills with it. The bank will issue you checks, a debit card and/or an ATM card. Your ATM card can only be used to withdraw cash from an ATM (automated teller machine) and your checks can only be used to make purchases or pay bills; your debit card can combine these conveniences and do both. Your debit card can be used like both a check and a ATM card. You can use it to make purchases at a store or online, as well as to draw cash out of an ATM. You may also be able to set up automatic withdraws in your checking account so that your bills as paid on a certain day each month, automatically.