关于关闭chase savings

小弟最近刚刚获批了chase freedom,打算在接下来几个月入手cfu和csr,但是最近由于稍稍涉足了一些理财,深感chase的saving账号对我毛用没有(apy过低,免费转出次数太少),所以有了下面两种想法(本人目前bank account只有chase的saving和checking):
1.关闭chase saving账户,只留一个chase checking账号。但是这么做不知道会不会影响和chase的关系,影响接下来的批卡…
2.如果不关闭chase saving的话,则将账户上绝大部分金额都转到checking上,但是小弟之前看过一篇文章依稀记得说是把checking当saving用会很危险!可能会被chase搞T_T
所以希望大佬们给点意见小弟该怎么办现在

直接打电话关了savings就好,做投资的话checking上也不会放很多钱吧。

message就可以关 余额转到checking 关一个户不至于影响关系

我就是常年chase的支票账号,没有储蓄账号
貌似没有大的问题,大通的卡CSP/CSR/万豪之类的申请起来没有因为关系不好被拒的

FYI 每月6次的transfer limit应该是半永久地取消了,fed的公告里面有提到:Savings Deposits Frequently Asked Questions

其中有一个faq是这么说的:

Are the recent amendments to Regulation D temporary or permanent?
On April 24, 2020, the Board of Governors issued an interim final rule amending its Regulation D to delete the six-per-month limit on convenient transfers from “savings deposits.” The underlying reason enabling the changes in Regulation D is the FOMC’s choice of monetary policy framework of an ample reserve regime. In such a regime, reserve requirements are not needed. As a result, the distinction made by the transfer limit between reservable and non-reservable accounts is also not necessary. The Committee’s choice of a monetary policy framework is not a short-term choice. The Board does not have plans to re-impose transfer limits but may make adjustments to the definition of savings accounts in response to comments received on the Board’s interim final rule and, in the future, if conditions warrant.

所以关不关随意,我的saving里面就放着10块钱,反正开了checking以后saving就免费了。当然你要关完全没问题,真正会影响你和chase的relationship的应该是你有没有放250k以上的资产在chase(i.e你是private client)

全关了,什么用都没有