<human>:  What are the differences between a savings account and a checking account?
<bot>: The primary difference between a savings account and a checking account is the purpose for which they are used. A savings account is typically used to store and grow money over time, with the primary benefit being potential growth via interest earnings. A checking account is typically used for everyday purchases and transactions, and the primary benefit is the ability to access funds quickly and conveniently. Additionally, many checking accounts come with additional features such as debit cards, online bill pay, and overdraft protection.