<prompt> Human: Bad from a security standpoint? Ive just slowly been building up my checking account over time and finally hit a fairly big number, as least to me. I know savings and CDs might offer some kind of incentive, but Im talking about security here.Should I leave it be, or move some to a savings account?  <response>: I moved all but a 2 month buffer into a Cap360 online savings account. Ally does have better rates though. The online savings will give that money a chance to grow at a low rate, sure, and you still have access to it within a few days if needed. The 2 month buffer in my checking is treated as my working money, where my auto-debits, payments, etc come from. I found that to be a comfortable level for me, but yours may vary. The amount in savings is my emergency fund, which is not to be touched unless necessary. 