We use a credit union, and I am able to transfer money on line or by phone, 24/7. It has been a real blessing. Some months we do spend a little more, for whatever reason. I could budget moe for checking and less for savings, incuding the oopise, but when it’s in checking, it gets spent. Better to have it in the Oopsie Account for when it is truly needed.
I actually call it my JIC account–Just in Case. When I see the checking account is low, and pay day is not tomorrw, I transfer money and call it JIC. Most of the time, I put it right back after the pay check goes in.