[Alex3917]

> It also doesn't make sense for you to keep money in a savings account, by the way.

The main point of a savings account is so that other people can't steal your money, like they can if it's in a checking account.

[2trill2spill]

That's why you use a credit card for purchases and pay off that balance immediately with your checking account. US citizens are generally not liable for identity theft or fraud on their credit card[1]. This should keep your checking account safe. With current interest rates no one should have a savings account.

[1]: https://www.creditcards.com/credit-card-news/zero-liability-...