<prompt> Human: I have a major banks Checking account and no savings account. The savings account would give me less than 1 interest. I would only get hit with fees if I didnt put anything in the savings account for a whole month during the first year that I have it. If I get hit with this fee even once it would more than negate any gains from interest. But I can set up an automated task to make sure I never get hit with this fee under normal circumstances.I am young and I just got my first job 2 months ago. I have been paying off my car and insurance so I have only really just started to build a safety net. You guys told me to save 6 months of living expenses in a liquid account. So should I make a savings account? Or is it OK to just let my checkings account hold my safety fund?EDIT: I just read the Why and How to keep an emergency fund link in the sidebar. It just said Keep it in the bank! and didnt specifically suggest checkings nor savings  <response>: It doesnt really matter that much, but personally I find it more logical to separate it from my regular spending money. That way you dont have to do any mental accounting. 