I've had a checking account for almost a year now. My husband and I have a joint account too but there were too many bills and crap taking out all the time so it was hard to keep track of. I'm really good about making sure what bills take out and how much money I have left now that there's two accounts. This week, however, I had a small charge take out that I completely forgot about, leaving my account in the negative for the first time ever. The charge was still showing as pending so I quickly deposited the money I had in payments to my checking account and I was never charged an overdraft fee.
That's why I like being able to cash out whenever I want.