Because i can write checks from the loc and not empty my account. You can use it just like a cash credit card. Or transfer your checking balance to your savings use your check card and buy your big purchase and then transfer your cash back to checking. You don't have to overdraft to use it. No fee's either if you do over draw your account
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank
"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar