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Current accounts allow you to make regular payments into and out of your account. They come with a cheque-book and cheque guarantee card.
You can usually arrange an overdraft on these types of account. This form of credit will come with a charge, so you should check out the cost of doing so before hand.
Different accounts offer different credit limits, so you should check beforehand that the limit you are offered is suitable. Also, if you go overdrawn without asking, either because you write cheques or because direct debits or standing orders are taken from your account, then you will be charged a fee.
Current accounts will usually offer a low rate of interest on any money you have in the account so you should be careful not to keep too high a balance. If you find you have money left at the end of every month then you should consider transferring some to a savings account.
Remember: You can't trust your bank account!
Your bank account lies! When you check it, it only shows you a simple snap shot of the scene that day. It misses out what payments are due in or out, when direct debits are paid, when you need to do a shop. Never think that having cash in your bank account means your budget is balanced, though being overdrawn is a good indicator it isn't.
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