aren't any different from typical savings accounts, and there are fee-free options from banks you already trust that can help your money earn more. Having money in your checking account can make it easy to overspend. By routing money away from your checking account and into your savings, you can save more.
When all of your savings are sitting together, it can be hard to tell how close you are to the finish line. Dividing your money into separate savings accounts can help make it easier to plan and prioritize your goals individually. In a checking account, money is for 'now' spending — you likely have a card that can access the money anytime. With a savings account, that isn't the case.
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