{"id":2054,"date":"2023-10-23T14:21:37","date_gmt":"2023-10-23T14:21:37","guid":{"rendered":"https:\/\/www.sprucemoney.com\/resource-center\/?p=2054"},"modified":"2025-03-29T02:40:59","modified_gmt":"2025-03-29T02:40:59","slug":"checking-vs-savings-account","status":"publish","type":"post","link":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/","title":{"rendered":"What are the differences between checking and savings accounts?"},"content":{"rendered":"\n<p>You\u2019ve decided to open a checking or savings account. Congratulations! This is an exciting step. Savings and checking accounts will keep your money safe so it\u2019s there when you need it.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"123\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-thumbnail.png\" alt=\"\" class=\"wp-image-2052\"\/><\/figure>\n<\/div>\n\n\n<p>They also come in a variety of flavors. You might be most familiar with accounts from banks and credit unions that offer traditional features, like the potential to earn interest and order paper checks. But you may also find some of those traditional features on accounts offered through <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/planning\/what-is-mobile-banking\/\">online banks and mobile apps<\/a>.<\/p>\n\n\n\n<p>Understanding the key differences between checking vs savings accounts and the range of features available can help you choose which type of account you\u2019ll need to help you manage your money. &nbsp;<\/p>\n\n\n\n<p>Read on as we cover the basics. Plus, we\u2019ll explore the savings and checking account options available with Spruce, along with other <a href=\"https:\/\/www.sprucemoney.com\/features\/\">Spruce features<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-defining-checking-vs-savings-account\"><strong>Defining <\/strong><strong>checking vs savings account<\/strong><\/h2>\n\n\n\n<p>Savings and checking accounts are offered through banks, credit unions and other financial institutions and provide a flexible place to park your cash.<\/p>\n\n\n\n<p>As their name suggests, savings accounts are deposit accounts. They\u2019re built to help you save money long term, build an emergency fund, or save in the short term for a big-ticket item, like a laptop or a vacation.<\/p>\n\n\n\n<p>Checking accounts, on the other hand, are built for everyday transactions, such as paying bills and making purchases online or at a store. Typically, you can use your checking account to access your funds by writing a check or using your debit card to make purchases, or even an ATM withdrawal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-checking-vs-savings-accounts-work\"><strong>How<\/strong><strong> checking vs savings accounts work<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Checking and savings accounts have several similarities, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Accessibility. <\/strong>Both keep your funds at the ready, which makes them good options for holding money you need immediately or in a potential future case of an emergency. You generally can make ATM withdrawals from both types of accounts using a debit card.<\/li>\n\n\n\n<li><strong>Deposit limits. <\/strong>Generally, there are no limits on how much you can deposit into your account.<\/li>\n\n\n\n<li><strong>Insurance. <\/strong>Both checking and savings accounts are usually insured by the Federal Deposit Insurance Corporation for amounts up to $250,000 per financial institution as long as the institution is an FDIC Member. This means your deposits are protected if the bank goes under, so you can rest assured that the money you put there is safer than it would be in your piggy bank at home.<\/li>\n\n\n\n<li><strong>Flexibility. <\/strong>You may be able to use each account to transfer money or make electronic deposits.<\/li>\n<\/ul>\n\n\n\n<p>Some checking and savings accounts are interest bearing, meaning they pay you a modest amount of interest each month. Other financial institutions, like online banks and mobile apps, may offer different incentives in place of interest. <\/p>\n\n\n\n<p>Depending on the financial institution, there may be fees or other restrictions associated with checking and savings accounts. They may include an account opening fee or minimum required deposit to open the account, monthly maintenance fees, low balance fee for not carrying a minimum balance, overdraft fees or even fees for not using your account as often as required by the account agreement. &nbsp;<\/p>\n\n\n\n<p>Compare interest rates, fees, and other features carefully when considering your checking and savings account options. You may want to avoid accounts with high fees as you consider <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/savings\/money-saving-tips\/\">ways to boost your savings<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-differences-between-checking-and-saving-accounts\"><strong>Differences between checking and saving accounts<\/strong><\/h2>\n\n\n\n<p>While there are quite a few similarities, what are the differences between checking and savings accounts to be aware of to determine which is best for you?&nbsp;<\/p>\n\n\n\n<p>First, banks with interest-bearing accounts will often offer a higher interest rate for savings accounts than checking accounts (if any interest is offered for checking at all). That\u2019s because money is generally stored in savings accounts longer. Some banks will limit the number of withdrawals that you can make from your savings account within a specified timeframe and may also charge a fee for each transaction that goes over that limit.<\/p>\n\n\n\n<p>The money in a checking account is most easily accessed by the account\u2019s debit card, which is issued at the same time the account is opened. &nbsp;Keep in mind, there may be limits on how much money you can withdraw in a day from an ATM. In addition, checking accounts can offer paper checks, which the account holder may have to pay for. Checking accounts typically offer lower interest rates than savings accounts, and many don\u2019t offer interest at all.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-easily-manage-saving-and-spending-your-money-with-spruce\"><strong>Easily manage Saving and Spending your money with Spruce<\/strong><\/h2>\n\n\n\n<p>The Spruce Saving and Spending Accounts offer a suite of tools, from traditional options like paper checks to overdraft protection.<sup><sup><button data-disclaimer-trigger=\"6\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>6<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup> <\/sup><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Savings.<\/strong> With your Spruce savings account, you can tuck away money into up to two no-cost saving goals. Automated savings options allow you to set money aside for an emergency, a family vacation or a down payment on a new car, for instance. Once you\u2019ve decided how much you need to save, set up a dedicated saving goal on the Spruce app. Make an initial contribution toward your goal, then add money as often as you want or automate your savings with regular contributions. Doing so can help you get to your savings goal fast.Setting money aside for big purchases in a separate place helps shield the money from the temptation to spend it on other things. But if you find yourself in a bind, you can always move your money to your Spending Account whenever you need to.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Spending<\/strong>. You can use your Spruce account to make purchases in person or online. Plus, Spruce makes it easy to add money to your account through <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/news\/direct-deposit-atomic\/\">direct deposit<\/a>. In addition to using your Spruce debit card to access your money, you can also use a paper check, which is preferred by some landlords or businesses and those who like to use an easily traceable method to make payments or monetary gifts. If you need them, you can purchase a book of 25 checks that access your Spending account for a fee of $15.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Additional features.<\/strong> Spruce accounts also offer other features that help you save more money and manage your day-to-day finances. With Spruce, there are no monthly fees, no minimum balance requirements,<sup><sup><button data-disclaimer-trigger=\"3\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>3<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup> <\/sup> plus no-fee overdraft protection.<sup><sup><button data-disclaimer-trigger=\"6\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>6<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup> <\/sup>&nbsp;What\u2019s more, you can get paid up to two days early<sup><sup><button data-disclaimer-trigger=\"2\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>2<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup> <\/sup>, use thousands of fee-free ATMs<sup><sup><button data-disclaimer-trigger=\"4\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>4<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup> <\/sup> and have free access to your credit score,<sup><sup><button data-disclaimer-trigger=\"5\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>5<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup><\/sup> so you can always keep tabs on your financial health.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Of course, with the convenience of mobile and online banking, you can check your account balances anytime of the day or night.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-choose-the-spruce-mobile-banking-app-to-take-charge-of-your-money-with-confidence\"><strong>Choose the Spruce mobile banking app to take charge of your money with confidence<\/strong><\/h2>\n\n\n\n<p>Now that we\u2019ve covered the difference between savings and checking accounts, it may make understanding your money that much easier. &nbsp;Plus, with the Spruce mobile banking app, you\u2019ll find an easy way to manage your money and work toward achieving your financial goals.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.sprucemoney.com\/\">Get started with Spruce<\/a>!<\/p>\n\n\n\n<p><em>This information provided for general educational purposes only. It is not intended as specific financial planning advice as everyone\u2019s financial situation is different.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019ve decided to open a checking or savings account. Congratulations! This is an exciting step. Savings and checking accounts will\u2026<\/p>\n","protected":false},"author":1,"featured_media":2041,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[48],"tags":[],"class_list":["post-2054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mobile-banking"],"acf":[],"yoast_head":"<title>Difference Between Checking vs Savings Account | Spruce<\/title>\n<meta name=\"description\" content=\"Learn the differences between checking accounts and savings accounts and how you can use both for day-to-day money management from Spruce.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are the differences between checking and savings accounts?\" \/>\n<meta property=\"og:description\" content=\"Learn the differences between checking accounts and savings accounts and how you can use both for day-to-day money management from Spruce.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/\" \/>\n<meta property=\"og:site_name\" content=\"Spruce Resource Center\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-23T14:21:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-29T02:40:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png\" \/>\n\t<meta property=\"og:image:width\" content=\"720\" \/>\n\t<meta property=\"og:image:height\" content=\"369\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Spruce\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Spruce\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/\"},\"author\":{\"name\":\"Spruce\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/person\/f63ac9d1e2d42aaff994d1333215ee08\"},\"headline\":\"What are the differences between checking and savings accounts?\",\"datePublished\":\"2023-10-23T14:21:37+00:00\",\"dateModified\":\"2025-03-29T02:40:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/\"},\"wordCount\":1202,\"publisher\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png\",\"articleSection\":[\"Mobile banking\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/\",\"url\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/\",\"name\":\"Difference Between Checking vs Savings Account | Spruce\",\"isPartOf\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png\",\"datePublished\":\"2023-10-23T14:21:37+00:00\",\"dateModified\":\"2025-03-29T02:40:59+00:00\",\"description\":\"Learn the differences between checking accounts and savings accounts and how you can use both for day-to-day money management from Spruce.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#primaryimage\",\"url\":\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png\",\"contentUrl\":\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png\",\"width\":720,\"height\":369},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.sprucemoney.com\/resource-center\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What are the differences between checking and savings accounts?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#website\",\"url\":\"https:\/\/www.sprucemoney.com\/resource-center\/\",\"name\":\"Spruce Resource Center\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.sprucemoney.com\/resource-center\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#organization\",\"name\":\"Spruce\",\"url\":\"https:\/\/www.sprucemoney.com\/resource-center\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/02\/spruce-meta-share-logo.jpg\",\"contentUrl\":\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/02\/spruce-meta-share-logo.jpg\",\"width\":1200,\"height\":768,\"caption\":\"Spruce\"},\"image\":{\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/person\/f63ac9d1e2d42aaff994d1333215ee08\",\"name\":\"Spruce\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/7c5f60f530d66a2642fd0891012eb05de5ba3fdbb9733cc5799d931c89f833f3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/7c5f60f530d66a2642fd0891012eb05de5ba3fdbb9733cc5799d931c89f833f3?s=96&d=mm&r=g\",\"caption\":\"Spruce\"},\"sameAs\":[\"http:\/\/spruce\"],\"url\":\"https:\/\/www.sprucemoney.com\/resource-center\/author\/spruceadmin\/\"}]}<\/script>","yoast_head_json":{"title":"Difference Between Checking vs Savings Account | Spruce","description":"Learn the differences between checking accounts and savings accounts and how you can use both for day-to-day money management from Spruce.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/","og_locale":"en_US","og_type":"article","og_title":"What are the differences between checking and savings accounts?","og_description":"Learn the differences between checking accounts and savings accounts and how you can use both for day-to-day money management from Spruce.","og_url":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/","og_site_name":"Spruce Resource Center","article_published_time":"2023-10-23T14:21:37+00:00","article_modified_time":"2025-03-29T02:40:59+00:00","og_image":[{"width":720,"height":369,"url":"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png","type":"image\/png"}],"author":"Spruce","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Spruce","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#article","isPartOf":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/"},"author":{"name":"Spruce","@id":"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/person\/f63ac9d1e2d42aaff994d1333215ee08"},"headline":"What are the differences between checking and savings accounts?","datePublished":"2023-10-23T14:21:37+00:00","dateModified":"2025-03-29T02:40:59+00:00","mainEntityOfPage":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/"},"wordCount":1202,"publisher":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/#organization"},"image":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#primaryimage"},"thumbnailUrl":"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png","articleSection":["Mobile banking"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/","url":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/","name":"Difference Between Checking vs Savings Account | Spruce","isPartOf":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#primaryimage"},"image":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#primaryimage"},"thumbnailUrl":"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png","datePublished":"2023-10-23T14:21:37+00:00","dateModified":"2025-03-29T02:40:59+00:00","description":"Learn the differences between checking accounts and savings accounts and how you can use both for day-to-day money management from Spruce.","breadcrumb":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#primaryimage","url":"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png","contentUrl":"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/10\/checking-vs.-saving-feature.png","width":720,"height":369},{"@type":"BreadcrumbList","@id":"https:\/\/www.sprucemoney.com\/resource-center\/mobile-banking\/checking-vs-savings-account\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.sprucemoney.com\/resource-center\/"},{"@type":"ListItem","position":2,"name":"What are the differences between checking and savings accounts?"}]},{"@type":"WebSite","@id":"https:\/\/www.sprucemoney.com\/resource-center\/#website","url":"https:\/\/www.sprucemoney.com\/resource-center\/","name":"Spruce Resource Center","description":"","publisher":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.sprucemoney.com\/resource-center\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.sprucemoney.com\/resource-center\/#organization","name":"Spruce","url":"https:\/\/www.sprucemoney.com\/resource-center\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/logo\/image\/","url":"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/02\/spruce-meta-share-logo.jpg","contentUrl":"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/02\/spruce-meta-share-logo.jpg","width":1200,"height":768,"caption":"Spruce"},"image":{"@id":"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/person\/f63ac9d1e2d42aaff994d1333215ee08","name":"Spruce","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sprucemoney.com\/resource-center\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/7c5f60f530d66a2642fd0891012eb05de5ba3fdbb9733cc5799d931c89f833f3?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7c5f60f530d66a2642fd0891012eb05de5ba3fdbb9733cc5799d931c89f833f3?s=96&d=mm&r=g","caption":"Spruce"},"sameAs":["http:\/\/spruce"],"url":"https:\/\/www.sprucemoney.com\/resource-center\/author\/spruceadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/posts\/2054","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/comments?post=2054"}],"version-history":[{"count":6,"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/posts\/2054\/revisions"}],"predecessor-version":[{"id":2554,"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/posts\/2054\/revisions\/2554"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/media\/2041"}],"wp:attachment":[{"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/media?parent=2054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/categories?post=2054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sprucemoney.com\/resource-center\/wp-json\/wp\/v2\/tags?post=2054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}