I keep a pretty low amount in my checking account, just enough to pay a couple months of bills. I don't really see any reason to keep more than that in my account.
Yes, in most countries the interest rate doesn't beat inflation.
You are losing money by keeping it in the bank account.
7-8% of inflation against 3% max on interest in any bank account, where you freeze your money for a long period
not worth it, the only good thing is that bank are less prone to being hacked