Opening up a savings and checking account with online banking makes it easy to balance the checkbook and keep it up to date. You can also do transfers from one account to another without long trips to a brick and mortar bank.

Instead of sending out a check every month for reoccurring expenses, you can use it to track and pay bills online.

You can setup automatic withdrawals and deposit into the account.

Because you can keep track of spending efficiently, with online banking, you can generally save more money than you would with an account that does not have online banking. With automatic deposit, you are forced to put the money into your account first before you pay anybody else, and seeing that gives one a better handle on finances and a tendency to save a little bit more.

Of course you want to save a few dollars and maintain a real personal checking account. Order personal checks online and save expensive bank markups.