<prompt> Human: So Im trying to get a small emergency fund set up while Im paying off credit card debt, and Im torn between keeping it in my Regions savings account about 0.10 interest I think or an Ally savings account 1.05 interest.I know emergency funds are supposed to be immediately accessible, so Im a little put off by the fact that Ally takes 3 days to transfer money to my bank.So I guess my question is, which account would be better for an emergency fund, and which would be better for regular savings?Thanks in advance!Edit: Thanks for your answers! I am trying to avoid using my credit cards because I dont have a lot of self control with them. I racked up some debt that Im currently trying to pay off before the 14 months of 0 interest expires, and I dont need a higher monthly payment. Thanks for the checking account idea. I think thats the route Im gonna go.  <response>: If you also open an Ally checking account you can transfer money from the Ally savings to the Ally checking immediately and have access to your money by writing a paper check or withdrawing from an ATM. Allys checking account has no minimum balance or annualmonthly fee so you can leave it empty. 