I don’t know a single wealthy person who keeps significant sums in a checking account that does not bear interest.
The theme here is your money has to earn money. Make your savings work for you.
If your current checking account does not bear interest, move the money elsewhere.
Plus any money saved that needs to be used within a year, still needs to earn higher interest.
You can put it in a Certificate of Deposit at your bank. That will earn higher interest that your checking account. Three- or six month Treasury Bills can also be purchased for higher interest.
Habit #18 – Saving and Investing