Direct Deposit IS your best friend.

Open up three accounts.

One Checking, One Savings at one bank. Bank A. Get bankcard checks the whole nine.

One Savings at another. Get nothing but the account. Bank B

Split your check between the two savings account figure out monthly expense and direct that amount divided by three into Savings A.

Rest into Savings B

Use the Savings at Bank A to pay bills.

Transfer funds from Savings at Bank A to Checking at Bank A for for day to day stuff and shopping.

Use Savings B for emergencies ONLY.