How much do you have in your bank account?

What is the maximum amount you typically maintain in your bank account? Additionally, where do you store your emergency funds? Have you encountered any tax-related issues when saving beyond a certain amount?

I recently came across a video suggesting that it might be beneficial to keep an emergency fund in either short-term funds or arbitrage funds. However, I am concerned about the delay in accessing the funds when stored in these mutual funds. What are your thoughts on this?