What is the difference between a checking and savings account?

Question

Please don't flame me I'm young.

Answer 1

Savings account is strictly for deposits.  You want to write a check, you have to get a separate account, a checking account.

Answer 2

A savings account has an interest rate associated with it -- so if you have money in your savings account, the bank will actually  pay you for having it there.

A checking account doesn't have this interest rate -- its basically just an account that you have to keep some cash in to cover your debitcard/checks you write.