Savings accounts usually offer interest rates than checking accounts. it is to access your money in a savings account than in a checking account.

The answer is higher, harder

A checking account’s bank deposit is designed for everyday money transactions. The money in a savings account, on the other hand, is meant to stay in the account and be saved and earn interest over time. It is better to have huge sums of money sit in a savings account rather than in a checking account because the money will accrue higher interest rates. The interest rate in a checking account is nominal and almost none. There are no withdrawal restrictions in a checking account. However, in a savings account, you are allowed to withdraw only a small portion of the balance, typically, 3 to 6 times or even less, in a month.