<prompt> Human: My saving account earns a negligible amount more than my checking account. Right now the only thing I keep in either of these accounts is my emergency fund a small buffer for monthly expenses. Everything else is in some sort of investment account.Is there any reason to keep money in my saving account instead of keeping it all in my checking? I suppose it may make more sense in the future when im saving a large chunk of money for a house or something, but for now is there any reason?  <response>: The only big reason I can think of is to protect your money a bit. Ifwhen your debit card number gets compromised your checking account can easily get drained in a manner of hours. Youll get the money back eventually, but until you do your cash is all gone, which could cause you problems that range from a nothing more than a minor inconvenience to a much bigger hassle like not being able to pay your mortgage on time. Having money in a savings account adds another layer of protection because even if somebody gets your debitatm card number chances are they wont get the pin as well, which is the only way they could get into the savings account. 