re: Least and most you've ever had in your checking account?

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Seriously. Regardless of amount, any surplus cash that isn't doing work for you is pointless.

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Technically speaking you are correct. However, with rates as low as they currently are there is little option without tying the funds up for a period of time. Savings doesn't pay enough to keep funds versus a checking. Interest checking accounts or money markets earn about the same interest rate as a savings unless you have 100k or so.

Not much for options unless you can do without the funds for a period of time.