What's the difference between a savings account and checkings?
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You need a checking account to write checks on to pay your bills.  You need a savings account to put away funds for your future.  The checking account will pay little or no interest on the funds you leave in it.  The savings account will pay a better interest rate of the funds in it.  You should have both kinds of accounts.  Use the checking account to pay bills.  Use the savings account to begin your pursuit of economic independence.  Try to put away ten percent of your take-home pay into the savings account.  Also,try to put away all weird little monies you get such as a rebate on a purchase or  Christmas gift check from a relative into your savings account.  Over time you will probably exchange the savings account with a money market account...and likely branch out to certificates of deposit and mutual funds as you increase the balance in the money market account.
322137
First question:\nA certified check or cheque is a form of check where the bank verifies that sufficient funds exist in the account to cover the check, and so certifies, at the time the check is written. Note that this does not guarantee that sufficient funds will still be in the account when the attempt is made to cash the check. The purpose of certify a check is to guarantee funds, the amount of the check is held by the bank when it is certified. Otherwise there is no reason to certify a check.\n\nSecond Question:\nI would ask your bank what there policy is, every bank has different procedures and policies.  \n\nHope this helps.
240803
I like to bank on the web.  If that's what you plan on doing check out their web sites.  Also, I use the ATMs a lot.  I'd check to see who has the most ATMs in my area and how convenient they are for me to visit.   Also check out their fees.  If you use another bank's ATM, how much will you be charged?  Is there free checking for direct deposit?  Look at what each bank offers and see how they meet your needs.\nThese are things that you need to think about before choosing a bank.
1859
Money Market accounts typically offer a much higher rate of return than savings accounts. They invest in super safe securities such as short term bonds and t-bills. They are completely liquid (you can make withdraws whenever). I highly recommend opening a money market account simply because you earn 2% or 3% more than a savings account. They also adjust to the current interest rate much faster than savings accounts which typically move like molasses on a winter day.
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In the UK (and I assume many other places) a Bank Statement is a letter sent to you (although now it is also common for them to be posted in an online banking system) which tells you how much money you have at the end of each period, normally a month. It will list all the transactions on your account and have a starting and ending balance.
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You have recieved a deposit. Money has been put into your account. (checking/savings)
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open a joint savings account but still keep your own seperate checking  accounts. Agree on a specific amount you both will be contributing to this account and how often. This will allow you to still have control of your own money and build a little nest egg.
321214
I've had an account with ING for 3 years or so. No problems, just be aware that if you need the money out of savings, it takes 2-3 business days to transfer back to your checking account. But where else can you get 4% on a savings account?
548993
Banks process all deposits in batches, usually run overnight. This is when the availability of funds is verified.  They give you the benefit of the doubt as soon as you deposit the money, however. This means that you can write a check against it but can't get cash. That's why we often see a "balance" and an "available balance" that differ. Hope that made sense, I was a bank teller for a few years in college.
690269
Yes, I do. Your money is federally insured - FDIC up to a huge amount of money. Just balance your statements and you'll be fine. When you find a mistake, you call them on it. Usually, they put whatever amount of money is in question back into your account until they finish their investigating of what happened. If they are right, they take the money back out of your account. If the bank is wrong - which I have seen before - they send you a letter saying you were right! That's the best part! But they will send a letter either way.
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b - there is not enough money in the account to cover the check. This can be due to "floating" a check, which is writing a check with the expectation that the amount needed to cover the check will be in the account by the time the check arrives at your bank.
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If you cant open one at a Bank then alternitivly try a credit union or visa-versa. Some people dont relize they do differ quite a bit but if you have had trouble with a checking acount before, you will have to wait 7 years to clear them (yes the same concept as credit)
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It doesn't matter where the funds are from.  The account is what is restrained.  If you get the check issued directly to you and cash it out then you'll get to keep it, but once it's in the account it's just "your" money and there's no difference between it and any other money even if there is no "other" money in the account.  \n\nThe only way to protect the check is not to have it put into the account.
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Bank account numbers and routing numbers appear on checks.  They are most likely found on the very bottom of a check.  \n\nBank account numbers are unique numbers that identify a person's or company's account.\n\nSort codes or routing numbers correspond to a particular bank.
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It all depends on what you need from a bank. You can get more bang for your buck if you choose an individual bank for each banking need. A bank that gives you a good deal on free checking may not be able to give you a good savings rate.\n\nMyself, I have a Bank of America checking account ('free' with direct deposit, but I'm very happy with their bill pay program), a savings account with Emigrant Direct (4.25% APY), and I use credit cards from Citibank (excellent cash rewards).
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Ask for free checking from Wachovia Bank and then once you have like $500 saved open up a second account called savings which will earn you interest and also in case you overdraft your checking account it will cover it.  They have a nice website where you can contact them and a lot of outlets, along with the telephone number 1-800-WACHOVI
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Talk to your bank. They are all different.