That's what I do. Its strange how banks reward checking accounts but not savings accounts. I get no reward or benefit from my savings account. Due to holding

That's what I do. Its strange how banks reward checking accounts but not savings accounts. I get no reward or benefit from my savings account. Due to holding the balance in my checking, I get all my ATM fees auto reimbursed. Its not much but its worth more than keeping it in zero interest savings. There's also a time issue. I have plenty of credit so for less than a week I can use my CC and for more than a week or having to sell stock wait for the transaction to clear and transfer from my brokerage to my bank. I have gotten into time crunches like when my old car died and I wanted $10K or so for the downpayment on the new car and I needed a cashiers check like that weekend, but in the end everything worked out alright. Many years ago I used to participate in Treasury Direct back when the interest rates made that worthwhile. Treasury Direct is (was?) a US treasury program where they'd direct debit and direct deposit t-bills, bonds, etc. Kinda cool back when the interest rate made it worthwhile. I remember some years after I stopped using it they did very early 2FA and I still have a card covered with random numbers laying around somewhere. TBills were sold at a discount for various terms so magically $99XX would disappear from my account and then a month or quarter or whatever later $10000 would direct deposit reappear. Its not worth the effort anymore of course. Maybe if I had $1M. I'm not sure why I'd need to save money anyway. Lets say I saved $10K and got $500K of medical bills or $500K of some kind of legal judgment against me, the only effect of having had $10K in the bank is that I wouldn't have enjoyed having it. Its not like the hospital or IRS would walk away satisfied with $490K unpaid.