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MY DH and I have two checking accounts. Our money saved is in one of our checking accounts. I'm just wondering if I need to get rid of the second account and open a savings account. I would prefer not to but I will if looks best to the UWs when apply for a mortgage. Thanks for your help.
Not at all.
Money is money, doesn't matter what type of account it is.
Mortgage people do hate "cash in the safe" though when trying to qualify you.