seems likely , I don ' t own a dog but my cat has this weird fetish for dirty socks . when I need to have him accept something new I rub socks on it . it works . as I reread this it sounds like my house would wreak like a gym , not the case , the socks don ' t have to be disgusting , just worn . <| sep |> Interesting theory , could well be true <| sep |> No . This attitude is why don won . <| sep |> I wouldn ' t generally recommend keeping an emergency fund with a bank which you can ' t withdraw the money as soon as you need it . So my actionable advice is to also open a checking account with Ally . They have no minimum balance , free checks , ATM fee reimbursements . so when you need that money , you can transfer it to that checking account instantly and withdraw instead of waiting for 3 days for it to transfer . They ' re a great bank . I ' ve had a checking and savings with them for a while .