Question about savings account?

First of all it all depends on what you used to open the account. It usually takes 5 working days after you open an account for you to be able to access the funds. With a debit card if you do a point of sale purchase. they take out the amount of the purchase from the account. For ex. if you have $100 in your savings and you buy a pair of jeans for $49.99, then after the money is taken out of the account, you have $50.01 left. If you use the card at an atm that doesnt belong to the bank where your account is at, that bank charges you a fee, so does your bank, plus the money you took out.