[Foivos]

In a savings account.That way if the checking account gets compromised, the majority of your money are safe. A common way for a checking account to be compromised is for someone to steal the debit card associated with it. That way is has access to most of your money. There are withdraw limits that kind of limit the impact of such scenario, but you can still loose plenty of money. Also, money associated with a debit card are your own money, so if you loose them the bank can not do many things, in contrast to credit cards, where they can cancel transactions.

The main idea is to keep separate accounts for "everyday life" and savings.