<prompt> Human: So I dont really get the difference between a generic checking and savings account. I was told to never use checking save for cash withdrawals and small POS purchases like lunch.I have just two liquid cash accounts, both with WF: One checking and one savings.I have all my auto-bills set to pull from my savings account. Right now the auto-bills are two credit cards, one car payment, health insurance, and then my direct deposit dumps into the savings. I move lunch money over to checking when I need to. According to WF, I am violating Regulation D and they want to freeze my accounts. I went into the store and the rep told me to not have anything pull from savings, but when I asked if I should have everything come out of my checking, he said dont do that either.Am I missing something? Where should auto-bill pay come from?  <response>: By law, you can only do 6 transactions per month from your savings. Above that and they have to fine you or close the account.Use your checking to do billpay. 