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Savings, actually. My bank allows you to have as many savings accounts as you want and you can open 'em all online. So I have like 7 savings accounts tied to my current checking, that all have the bill $ auto-deposited. About half are auto-debited as well. I'm about to transition my active checking account - I noticed with all the linked savings it's really easy to shuffle the money and play "funny money" if I'm short - so I'm severing that link and just opened a new fee-free checking at another bank. Once I fund it with DD and get the card, I'm going to cut up/hide my old debit card to make the bill funds more difficult to access.