I use checking and savings in this way. I think it's pretty common to do so that checking is a revolving fund and doesn't hold any significant money, but it's a

I use checking and savings in this way. I think it's pretty common to do so that checking is a revolving fund and doesn't hold any significant money, but it's also common to just have all your money in the one account. Anyway, good description of ACH above. Very few people understand how it works.