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I'm not sure one is really better than the other. For me the convienence of having a checking account is great. I'm able to have my pay directly deposited, pay bills online and much more. I much prefer that to having to buy a money order every time I need to do something. That said checking accounts are a responsibility and if you're not willing to invest the time to balance your checkbook and write down every check used you can find yourself in the tough position of incurring overdraft fees. Most banks offer great free checking accounts and will be more than happy to teach you the basics! Hope this helps!
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