Task: Text to Code
Input (English): Step 1: find the average SAVINGS's balance in SAVINGS table.
Step 2: For each row in ACCOUNTS table, find the corresponding rows in CHECKING table.
Step 3: find name in the results of step 2 whose CHECKING's balance less than the results of step 1
Output (English): SELECT T1.name FROM ACCOUNTS AS T1 JOIN CHECKING AS T2 ON T1.custid = T2.custid WHERE T2.balance < ( SELECT Avg ( T3.balance ) FROM SAVINGS AS T3 )