chekcsum checks for errors during file transfer. unfortunately, every once in a while there is a bitflip during a packet transfer. now, each packet has its own checksum but with a teeny tiny probability an error is large enough to remain undetected. This is why especially for big files, you also get a checksum.
Finally, you can use checksums to ensure that we got the right file. e.g. some install scripts have parts that work like “first download this file and before we try to do anything with it, we check its checksum with the value that we got from the file that worked during my own test”. In that case the checksum is embedded in the install script.
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