what you should be careful of when opening a linked savings account 
linking accounts may trigger additional fees often banks will automatically transfer funds from one account to the other to maintain a particular balance or when you have insufficient funds to cover a payment such transactions often may have fees for each instance this practice can become especially problematic if it causes your savings account to fall below the minimum balance which could cause other fees to kick in linking might also add another step if you decide to close one of the accounts or change banks 