What makes a checking account more conveniant than a savings account?
a. you pay smaller fees on a checking account
b. you earn more interest with a checking account.
c. you can use a credit card access your money 24 hours a day.
d. you can spend your money without having to withdraw cash first.

"You can spend your money without having to withdraw cash first" makes a checking account more convenient that a savings account. The correct option in regards to the given question is option "D". In savings account it is never possible to spend money first without having to withdraw cash first. It is also not right to say that checking account holders earn more interest than a savings account holder. The checking account is simply like a current account and so there is no chance of earning more interest than the savings account. The checking account allows numerous withdrawals and unlimited deposits while this is not possible with a savings account.