All savings accounts pay interest, but the amount of interest is not always the same. You cannot write cheques on some savings accounts. You can also write cheques. The interest and charges are not the same at all banks. When you write a cheque, you are telling your bank to pay the money.
Most cashiers ask to see a driver's licence and a credit card or a passport.
If you don't have a driver's licence, ask for an ID card at a Driver Services Centre. You can get credit cards from department stores or gas companies. You can also get bank credit cards such as Visa and Mastercard. If you don't pay the full amount of the credit card bill each month, then you have to pay interest. It may be very expensive.