Re: zakaat
If your total wealth amounts to making you sahib-e-nisab, then, you are supposed to take zakat out of savings account too.
You have to understand though that the interest you are getting on savings account is not your money and it is haram to consume it. You should just give it to places like masjid etc. without the intention of getting sawab.
Take 2.5 percent out of the actual remaining amount in the account for zakat.