Checks allow payment of bills without having to carry large sums of cash. Most businesses in Connecticut will accept checks if the account is with a local bank and the signer has some identification to show. Banks usually charge a few dollars for printing such checks. When cashing a check one needs some form of identification, usually a driver's license or university I.D. with picture. Checking accounts generally are not free.
Most banks charge a monthly service fee for processing checks.
A savings account is for saving for special uses. You will find different banks offering savings accounts with varying rates of interest depending upon the terms of the account. Many people have both a checking account for their daily expenses and a savings account for reserve funds. It is easy to transfer money from one account to the other as needed. Be aware that you must pay yearly taxes on interest earned on the money which is kept in a savings account.