Yep. I'm the same way. The only thing to be careful about (in the US) is that banks can force convert a savings account to a checking account if you make more

Yep. I'm the same way. The only thing to be careful about (in the US) is that banks can force convert a savings account to a checking account if you make more than 6 withdrawals a month. It hasn't ever happened to me, but they warn me regularly about it.