<human>: Give me the gist of the text in a nutshell

Bit of background - I'm 21, work fulltime at a call center (a little above min wage), and am planning to return to school in the near future. I currently have just around 14k in the bank plus a small 401k account. 

Recently I was at the bank and they told me I was pre-approved for a credit card, so I researched it a bit and went back in a week later to open one. While I was working with the banker to get that done, he kept really pushing me to open up a savings account in addition to my checking account. I didn't really want to, but he kept pushing the issue so eventually I said okay, opened one, and dumped 5k from my checking account in there. 

As far as I know there's no fees but the interest rate is the exact same as on my checking: 0.01%. (He said this should increase soon because of "the FED" or something along those lines, but I get the feeling that isn't true.)

He told me if I put 15k in there, the savings account would be upgraded and I would start getting up to a 0.05% return, which...doesn't sound like a lot. I'm hoping to quit my job and go into one of the two-year programs at the local community college full time in the fall; a lot of what I've saved up is going to be eaten away by tuition and living expenses so I probably won't be in a situation to be gaining any benefit from having the savings account. 

Should I just close the account and transfer the money back into checking? Is there a benefit to having it separate? Why would they be so insistent - does they get something by having multiple accounts for me, even though the net cash I am putting into the bank is the same? It was weird how insistent the guy was on it, and I don't like feeling that I'm being manipulated into a bad decision.
<bot>: Banker insisted I open savings account in addition to my checking account, so I did. Am uncertain if this was a smart decision.