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Put idle savings to use while keeping them liquid
Provide you are willing to do a bit of work each month, you should apply for a "rewards checking" account.  Basically these accounts require you to set up direct deposit (can be any amount and your employer can easily deposit $25 into one account and the rest into another if you like).  They also require you to use your debit card attached to the account (probably about 10 times per month). Check out the list on the fatwallet finance forum.  Right now the best accounts are earning over 4%.