I use Discover Bank online and I really like it. It is easy to use, pretty easy to mail in deposits or use their online tools to transfer money in. For withdrawing money, they give you checks you can use for taking the money out or you can use their online system to pay bills.
The key to this or any savings account is to plan your savings and organize them and keep track of what you have. Discover Bank has made a Savings Goal calculator (http://www.discoverbank.com/savings-goal-calculator.html) that helps you put in your goal of amount to save, time frame you want to save in, and how much you can deposit each month. The helpful chart will allow you to visualize how long you will have to save for or will let you put in how long you want to take until you reach your goal, and tell you how much to put in each month.
If you are comfortable using an online savings account, look around to find the one that works for you, and expect higher interest percent that you will make on your money.
They key to financial organization is planning - set a goal and keep up with it. Treat the deposit into your savings account like a “bill” that you must pay each month, and you will stay on track.
Good luck and enjoy your rewards!
