Savings and checking accounts are essential to consumers' daily lives. Checking accounts are most convenient because you can write checks or swipe your ATM card to make a payment.

But what about savings accounts? Some people might like to be able to write checks for their savings account, but that’s usually not an option. If you could, then it would be a checking account, right? Instead, you can move money from the high-yield savings account to your checking account elsewhere and vice versa. This just requires a few steps on a website. As long as you have internet access, you should be set.

There are some money-market savings accounts offered by banks and brokers, however, that do offer limited check-writing capabilities.