<prompt> Human: Im 22, finishing up college with no student loans or any debt due to scholarship. I had the privilege of being able to work jobs in my field throughout college and summers including Co-ops and have all that money go straight into my savings account.For the past 6 years, whenever I have had more than 800 in my checking account, I move the difference into my savings. Now that I am graduating, its sitting at about 20,000. I set up the savings account when I got into college, and I dont really understand it. For example, I moved 3000 into it at the beginning of January and the next day I got 6.24 in interest on 124. I moved another 450 over a few days later and on 224 I got 7.33 in interest. I havent moved any money over since then, and on 324 got 0.83 in interest. I use a Southern regional bank called BancorpSouth... I love them because theyre really good with security I get calls about my own purchases saying this isnt like you, can you authorize this? or we dont have any indication you would be making a purchase in this state, can you authorize this? just from going two states over. However when Ive traveled out of the South, sometimes I havent had access to an ATM without crazy fees, so I feel like I need a more nationally internationally available bank.Im inherently frugal and hard working, but never really paid attention to finances. I feel like I need to put all this savings into one of those compound interest kind of accounts. So I guess my questions are: What bank should I open a savings account with? What kind of plan? How do you transfer money this way? Do I like... write myself a check, and take it to the other bank??  <response>: However when Ive traveled out of the South, sometimes I havent had access to an ATM without crazy fees, so I feel like I need a more nationally internationally available bank.I will sing the praises of Schwabs checking accounts to anyone who will listen. Because you might need to deposit a very large check or cash someday, you can keep your local checking account and connect it to transfer to Schwab.No ATM fees including the ones the ATM charges you, theyll reimburse them, no currency conversion fees, and no international fees. I dont use it as my main checking Chase is the most convenient for me, but I use it for my fun money. 