Just got back from a great trip to London. One note, I have direct deposit into my savings account and pretty much only use my savings account. Well in going to cash machines I was given no choice between either account. The first night I got £40 no problem. Then no cash machine would give me money. Well it was pretty easy to figure out that offering no choice btwn savings and checking - the £40 was taken out of the checking and there was no more money left in the checking account after the £40 was depleted . I eventually found that using Citibank, they allowed me to choose btwn savings and checking and then got cash no problem.

Not a huge deal as my overdraft kicked in and only charged me $1.

FWIW