Ideal Account for Emergency Savings: Suggestions Needed

[anuragmukherjee28]

Hey everyone, I’m looking for suggestions on which bank account is best for parking emergency funds.

Here’s what I’m looking for:

• Safe and reliable (no risk to principal)
• Easy access in case of emergencies — instant transfer or withdrawal
• Decent interest rate (not expecting huge returns, but better than basic savings if possible)
• Preferably no or low charges for maintaining the account
• Good mobile app / online banking experience

Basically, I want a place to park my emergency money, it should be accessible when needed but not mixed with my regular spending account.

Would love to hear what’s working for you, which bank or account type do you recommend, and why?