Although you can use your checking account as a reserve account for your cash, much like a savings account, it may not be the best option for that purpose. Most checking accounts do not earn interest, and even those that do typically earn less than a savings account at the same financial institution.
As is the case with other forms of government in American political theory, local governments derive their power from the people; in practice, local governments receive their authorization from their respective states.
In a democracy, the people are sovereign they are the highest form of political authority. Power flows from the people to the leaders of government, who hold power only temporarily. Laws and policies require majority support in parliament, but the rights of minorities are protected in various ways.