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Reply to "How much do you keep in your checking account - compared with monthly expenses?"
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[quote=Anonymous]I have a savings and checking account on the same account (my personal). I have a joint money market account in the same institution that is tied to the savings and checking account. I keep $300 in the checking account, $2000 in the savings account and about $30K in the money market account. When I pay bills, I pay them on-line and then go to the web-site and transfer what is needed from the MM to the checking account to cover those bills. The money kept in savings is my overdraft protection because my credit union will automatically roll funds from the savings to the checking account if needed, free of charge (six times per month, I've never used more than 2). This maximizes the pitiful interest that the two interest bearing accounts accumulate. Something is still better than nothing.[/quote]
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