Because: It helps you save money You get a Debit card and you can use it for shopping and don't have to carry cash with you You get a check book and you can use it for paying people and don't have to...
The best way to open your online checking account is speaking with a customer service rep for your bank. Each bank is different and you may need to request you account be set up.
You go to a bank of your choice and then talk to a representive and they will help you created your saving and checkings account. Hope this helped you.