SmartyPig savings account. This bank is a bit different from most, in that it's A. fun to use B. has a high yield % rate and C. concentrates on savings goals for the future. You can choose to save up for things like a wedding, a home, a car, or even something like an iPad. One of the really cool features is that you can refer friends and make $10 per friend, up to 100 friends. I referred my friend to it since she had been asking me where to save, and I suggested it. And guess what? I made $10 off that toward my goal!
Now, I have several different bank accounts. I have a checking and a Way2Save at Wachovia, a checking and a savings account at Chase, and now a SmartyPig account! My Way2Save is my backup savings that I can quickly get to. I have about $900 in there, but I'm saving that for a trip to Ireland in July. My goal with the SmartyPig is to save up $1000 as a legit emergency fund. I want something that I can't touch, in case something bad happens. I want to pretend like it doesn't exist. I want to save $1000 in one year, and am doing so by contributing about $80/month to it.
Check out the little gadget on my sidebar to the right. It's actually in case people want to "contribute" to my fund. Now, I don't expect anyone reading this to do so...but hey I won't stop you either haha!