<prompt> Human: Hey guys,I make roughly 55kyear and have around 15k at any given time in my checking account. Is it worth it for me to open a savings account? It seems with current interest rates its hardly worth the trouble. My checking account is with a major bank and I was thinking of opening a savings account with the same bank simply to set aside money. Thoughts? Thanks!  <response>: Yes!! Savings through discover or Ally will give you 90 for the year around 0.87. Spectacular? No. But certainly better than .01 