Question

Savings accounts usually offer _________ interest rates than checking accounts. It is _________ to access your money in a savings account than in a checking account.

Answer 1

Savings accounts offer higher interest rates
It is harder to access money from a savings account.

Answer 2

They usually offer higher interest rates, and its harder to access your money when its in a savings account.

The reason it's harder is because savings is for what the name says-- saving. It's in a separate place than your checking, and usually requires going to a bank or ATM.

Checking is for using a debit card, so it's easily accessible by swiping your card and withdrawing immediately. 

Hope this helps!