Medyo OT:

My personal preference is: don't put too much money in a regular savings account. Sayang. It just sits there earning minimal interest. As much as possible, look at the financial "health" of the bank you're banking in.

If you have money to save, put it in other savings instruments.

I use the regular bank account for an emergency fund - something to draw against just in case, and a checking account.

The rest are in mutual funds, pension and insurance...