Building a savings account today couldn’t be easier, but it should never be convenient. Even though you can set up an automatic deduction from your checking account each payday, making it just as easy to withdraw the money can create temptation.

If at all possible, do not link your primary savings account to another account as an overdraft protection line, and do not if you have the option get a ATM or debit card linked to your savings account.

Making a withdrawal from your primary savings account should be wrought with thought before doing so or you may find yourself dipping into the account for non-traditional use.