<prompt> Human: Hey all.23 years old, started my first real job about a year ago. 50kyr, 35k take home by my calculations. Right now I have about 14k in two TCF checking accounts and a few credit cards I pay off fully every month.I have a 401k set up through my work, but Id like to get a savings account as well. Why? I dont know, isnt that what adults do? So Ive checked out my current banks TCF Bank savings accounts and from what I can tell Id be getting about 0.03-0.05 interest on the amount of money I have. Thats fucking gross. Am I reading this wrong?Ive checked out a few other banks and didnt see much better. Ive seen a lot on Roth IRAs on here and though I admittedly barely know what they are dont think thats what Im looking for. Id rather a savings account where I have access to the money if necessary.Is there some secret bank with decent rates Im missing? Am I reading something wrong? At this point it just seems useless to open a savings account if Im only getting 7 a year in interest...  <response>: Honestly, I wouldnt pay any attention to the interest rate. Savings accounts are not for investing. Theyre really only suitable for emergency funds. I use the same bank I use for my checking account. This way I can login to my account via my phone and transfer money instantly no matter where I am. As far as how I chose this bank, I was looking for a bank that was as convenient as possible and had fantastic customer service this is really, really important. in the event that something happens to your money or your ability to get it, you really want to know that youre in good hands. I found that my local credit union fit my needs perfectly. 