<prompt> Human: I wish there were a thread for simple questions. But what kind of account do people typically use for everyday purchases lunch, groceries, etc?. Is checking for everyday, and savings for emergency fund the usual paradigm?Additionally, is there any meaningful difference between checking vs. savings accounts other than higher interest rates? I opened accounts at Discover for both based on this subs recommendations.  <response>: Personally I do this:1. daily spending credit card2. short-term cash for paying bills chequing account3. short-term cash thats just kicking around savings account 