<prompt> Human: Last year during a storm there were no working ATMs in my area. Luckily i didnt need to use the fund but since then i have been thinking What if... non stop.  <response>: I keep a small amount of cash on hand 500 stored in a safe place and keep the rest of my emergency fund in a savings account. I do it mostly for convenience, I dont see why it would be helpful to have it in case of catastrophe its not like you could buy anything in cash if all the stores are closed anyway? 