<prompt> Human: Today, I was able to hit my target for my emergency fund. Ive had this account since I was a child, which is why its at a local bank. Id like to transfer that to a high yield savings account because I am currently earning almost nothing in interest with this account. How should I go about this? My original idea was to transfer half into a high yield Ally savings account and keep half in my current account. That way, if I really needed money immediately, I could drive to the bank and withdraw it instead of having to wait for a transfer. Is that a viable concern? Is it better if I just transfer all of it into the account? If so, what should I know before closing my old account?  <response>: I like to keep some float in the current account, maybe enough to cover a months expenses.Then, put all the rest in the savings account. 