Below is the list of tables from the database along with their columns and datatype. Need to generate an accurate SQL query for the question.
Only use the columns present in the respective table. Only use the columns which are required to generate the SQL query. Only use table joins if required and not otherwise.

### Tables ###
TABLE: CREATE TABLE checking (balance INTEGER, custid VARCHAR)
TABLE: CREATE TABLE savings (balance INTEGER, custid VARCHAR)
TABLE: CREATE TABLE savings (balance INTEGER)
TABLE: CREATE TABLE accounts (name VARCHAR, custid VARCHAR)

### Question ###
Find the names and total checking and savings balances of accounts whose savings balance is higher than the average savings balance.

### Accurate SQL ###

SELECT T1.name, T2.balance + T3.balance FROM accounts AS T1 JOIN checking AS T2 ON T1.custid = T2.custid JOIN savings AS T3 ON T1.custid = T3.custid WHERE T3.balance > (SELECT AVG(balance) FROM savings)