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The biggest benefit I see is that I have a better way tot track where my money is going. Also, if I have cash in my pockets, I don't think twice about buying what I want, so having a checking account is sort of like a buffer for me. I have to decide if I really want to pull the checkbook out, write the check, hand them my driver's license, etc. Sometimes it's just too much bother for a couple bucks, so I don't spend it.
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