I have a checking account and a savings account. I use my checking account very often. I have a debit card that I use to buy something. I am a student and I do not earn money (although I am planning to find a part-time job next year) so I get pocket money from my parents: they usually transfer the money to my bank account or give me the cash that I deposit at the ATM. Sometimes I withdraw money from the ATM although I prefer paying by credit or debit card.

I did not get a student loan because my parents are paying for my school. In the future I might get a loan to buy a house, a car or start my own business.