Whose savings balance is lower than their checking balance?
SELECT T1.name  FROM accounts AS T1 JOIN checking AS T2 ON T1.custid   =   T2.custid JOIN savings AS T3 ON T1.custid   =   T3.custid WHERE T3.balance  <  T2.balance
savings balance lower than checking balance refers to comparing savings.balance with checking.balance; whose refers to selecting the name of the account holder;"