<prompt> Human: I am a 19 years old, and being an only child of 2 korean dominant parents, I had to learn about the basics of PF by myself, through english, as english is my preferred language. Long story short, I ordered a debit card I now have 2 total checkingdebit cards from Discover. Reason being is because 1, I have a discover IT card and an account already made, so merging it into one big checkingcredit account would make things easy to track. And second, I didnt want to just store physical cash in a safe spot at home. Instead of a proper savings account, I thought a debit card would be more ideal as I plan on using this second checking account as a place for my cash to sit for short term months instead of years purchases. One situation being, I plan on saving up a few thousand dollars for a down pay on a car in about 3 months. I would use this second account as a savings place until I reach my ideal amount, which I will take out and use. I guess my questions are,- Is Discover reputably a good bank to safe keep my money? Asking because they dont have a physical bank, but link with ATMs across the nation, so I can go to any discover compatible one for withdrawals only. - Are there more smarter ways to save for short term savings? Such as working for a downpay on a car? P.S. Reason I chose Discover is mentioned, but another reason I guess is because Discover has no monthly fee, and 1 cashback if I needed to spend the money.My main debit card, is currently used as a middle man in some sense, it collects the direct depositchecks from work, and sends a significant portion to my discover checking, and the rest to fund my purchases cc statements. It also has a monthly fee unless you link a direct deposit, which I do.  <response>: Discover is a legit and safe place to bank with. I prefer Ally myself because of no minimum deposit, but theres nothing wrong with Discover. 