How to withdraw a large emergency fund in one day

What people tried

Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.

1. 1
   Keeping money in a traditional low-yield savings account for liquidity
2. 2
   Connecting a high-yield savings account to a checking account with free transfers to cover bills
3. 3
   Using credit cards for expenses and transferring funds from savings to pay them off
4. 4
   Using a credit card to pay for the emergency immediately, then paying off the balance when the bank transfer clears.
5. 5
   Keeping a small portion of the emergency fund in an instantly accessible checking account and the bulk in a separate savings account.
6. 6
   Linking a high-yield savings account at a different bank to a primary checking account via ACH transfers.

In their words

Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.