How does having both a checking and savings account work?

Hi, I am 17 years old and have decided to open a banking account in my name and without my parents. I'm going to apply for an eBanking checking account and a savings account (it's for students). But how does this work? Like how do you use both a checking and savings account at once? Do you transfer funds? Please explain the process. Thank you.|||1. Yes, you can transfer funds back and forth.


2. Savings accounts generally pay higher interest. Savings accounts often have a rule like "you'll be penalized if you make more than 3 withdrawals in a given month."


3. Checking accounts provide checks for you to write. Often they pay little or no interest. Checks are great for paying bills, especially when you have to mail the funds to someone. Using checks and a check register gives you the documentation you need to track your expenses, and do your income taxes.


4. You might want to keep most of your funds in savings, and then move it to checking when you need to spend it. Maybe you could move like $200 every month from savings to checking. Maybe you should figure out how much you spend in a typical month, and then move that amount on the first of each month.