<prompt> Human: Im looking around at the various ways I can arrange my money to optimize where it is and my access to it.For instance, what Im thinking might be best for me right now is:Acct 1 checking-where my direct deposit goes, where my bills get auto-drafted from, and linked to my debit card for everyday stuffAcct 2 savings with the same bank as 1-low interest rate, but I can transfer over to 1 quickly for emergencies...going to set up to auto transfer from checking regularlyAcct 3 savings with another bank ally or something-hard to get to, but high interest rate...this one is the rainy daynew carwhatever fund...just stuff that might come up that doesnt require money immediatelyDoes this arrangement make sense? Anyone else do anything similar to this?  <response>: I do the same. BoA for Checking. 1000 in BoA Saving for emergencies. CIT Bank for online savings at 1.75. It takes a few days to clear from CIT Bank to BoA and vice versa. I also try to keep a 1000 cushion in my checking. So far, so good. 