It is as easy as setting up an ACH money transfer. All you need to do is log in to your Online Savings account and set up a money transfer relationship. To do this, you need to enter the Routing number and Account number for your checking account. This needs to be done only once. After setting this up, you can transfer money to your checking account which should typically take only about 1-2 business days.
To answer your second question, for most Online Savings accounts, you CANNOT withdraw cash directly from that account. You need to transfer it to a regular checking account first. Hope that answers your questions.
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