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Generally, funds in a savings account can be accessed at any time, making it a solid option for emergency savings or short-term financial goals. However, there are some restrictions in place to encourage saving rather than frequent spending. These limits typically include pre-authorized or automatic transfers, as well as certain types of checks and debit card transactions. If you exceed this limit, the bank may charge you a fee or move your account to a checking account, which is not subject to such limits. It's important to familiarize yourself with your bank's policy on withdrawal limits and understand what fees may apply if you exceed them.