Hi Jimmhall47
welcome to the Apple (user-to-user) Community.
Re: "Apple Card payments from savings"
Seems the interest-bearing savings account does not work that way:
Set up and use Savings in Apple Wallet - Apple Support
says:
"You can't spend money or make purchases in Savings directly through your Apple Card or Apple Pay".
(Seems you would have accepted that in order to set up Savings.)
Seems you can, however:
Transfer money from Savings to Apple Cash or your bank account
and for the accepted payment method:
How to make Apple Card payments – Apple Support
All the best :-)