what is the difference between a checkings and savings account? Someone please

[dogboy_catgirl]

explain this to me! 10 points? ok, I have a Visa card from the credit union, which I can use at stores and they said it is connected to my checking account. But I also have a bank card which is connected to my savings account. They said if I use the Visa card and don't have any money in my checkings account they take money from the savings account, but they can only do that 5 times a month and then I will be assesed a fee of $28 each time I use it after the 5 times. But what is the difference between the two accounts? Like why don't people just keep money in a checking account instead of a savings account so that they could use a card if they wanted to? Is there a difference between the two accounts? Please explain. Thanks.

[trw]

well a savings is to save money and u arent supposted to take money out it is to save money for something expensive u want. a checking is what your job usually puts your pay check into, but it is for anything you want to buy now and all your bills.