Many regular savings accounts are very happy that you have your money there because they only give you a couple of pennies in interest a year. If you are going to let money sit there and not invest it, then at least consider a money market or high-yield savings account. I recommend a Capital One money market account that has a 4.25% yield right now. Your regular savings account is more like .425%. Also they give you an ATM card so the cash is readily accessible.
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