Saving is a very important thing to me and now that my hubby and I are receiving better salary now compared to our previous jobs, I think we need to start opening up our own checking account sooner or later. I just have the notion that having a checking account will have an advantage compared to debit cards. Why? Since it will be a bit hassle to withdraw from a checking account because it will need a more tedious process compared to just withdrawing from a debit card, also, on a debit card, temptation is always at hand. You know you have money ready to be spent. So I promise myself to get either a savings account or checking account once I get the enough money to make my initial deposit. I can’t wait to own my own savings / checking account!