Emergency Fund Account Checklist

• Confirm it's easy-access, not fixed-termYou need to be able to withdraw without notice or a penalty.
• Check it's a separate account from everyday spendingOut of sight makes it far less likely to get spent on non-emergencies.
• Confirm any deposit protection that appliesKnow the protection limit and whether your bank is covered.
• Check for monthly fees or minimum balance rulesoptionalA fee-free account with no minimum is usually simplest.

Progress isn't saved between visits yet — this is a Stage 2 placeholder; account-based progress tracking is a later stage.