<prompt> Human: So I was just looking around at different savings accounts to be used as a checking account instead. The best I have found would have to be the pnc savings account with a apy of 2.20 percent per year with monthly deposits. I understand having a checking account as a substitute is nice and to keep maybe 200 dollars in there just to use as cash if needed through an atm, but why not have that money accumulate with the pnc savings account and to just use a credit card such as the chase freedom or Citi cashback card earning 1.5 and 2 respectively for your day to day purchases. If anyone has reasoning against this ideology Id love to hear your opinion. Sorry for any typos or errors in on mobile writing this at work EDIT: anyone commenting about the limited number of withdrawals, you are right about the 6 withdrawals per month, but if the only real bill is your credit card bill monthly, it is for the most part not much of a constraint  <response>: Because you cant pay bills from a savings account and youre limited to 6 withdrawals monthly.Keep spending money in checking and savings in savings. Dont overcomplicate it. 