<prompt> Human: When I say nothing I really mean nothing. Ive read threads by people on this subreddit that just turned 18 and wanna know how to start building credit, but that implies I even know what credit is. Im looking to open some sort of bank account thingy, and I may be starting a job over the summer. People talk about checking accounts and all that... whats that? Are there other kinds of accounts? Can you only have one? How is that different from creditdebit cards, and what are credit and debit cards really and how do they interface with a bank account?I pretty much just have no idea what Im doing but wanna get informed before I do something big like setting up a bank account or getting a card or something. The FAQ seems to be more for people who already have the foundations of knowledge of personal finance which I clearly lack. Anyway, thanks in advance.  <response>: A Checking account is typically where you deposit your paycheck and pay bills. Its one of two basic account types, the other of which is a Savings account. Savings accounts usually offer better interest rates than checking accounts, but are limited to 6 withdrawals per month.Debit cards are typically linked to a checking account and deduct charges directly. Credit cards are still paid from your checking account, but instead of being charged immediately during your purchase, youre sent a bill to pay. Credit cards can help to build credit when used responsibly paid statement balance in full every month but will be hard to get at 18 unless you have a source of income or cosigner. 