Most adults have a current account with either a bank or a building society.
This is normally the first step to financial independence and the centre of most people's everyday money management. The attractions of a current account are easy to see. It is safer than keeping your money at home or carrying it around with you, and the account will generally give you other means than just cash to make payments. A current account normally comes as a cheque account with a cheque book. This does away with the need to carry even moderate sums of money around with you.