Sometimes it's the simple methods that work the most effectively. Banks try to complicate things I think, when it doesn't need to be so complex. Of course, these days so many people don't have the discipline to save...or responsibly pay their expenses.
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Life was easier working with simple systems, today everyone in banking, insurance, etc., all want to add extra 'perks' wherein lie the hidden expenses. If I want to go to the bakery I did not enter with purchasing flowers in mind!
Saving for what one might need on a rainy day, is a must, those rainy days have hit more than once, when you buckle to your knees in shocked reaction as to how many times this is never taken into consideration.