If you haven't set up your emergency savings (I took Dave Ramsey's Baby Step One advice and saved 1000 dollars) then its probably time you should. It's hard to think that instead of paying off debt, you should be putting money in savings, but I really have to say that ever since I took the plunge and saved that money, I have not worried as much about emergencies. For example, right now ex-h owes me money (surprise!) but it's okay, because I have money to cover the bills. Before I would have been freaking out, now I'm just (rightly) pissed.
Most banks offer a savings account that you can link to your checking account, and you can set up transfers from one to the other. I really think that the automatic savings plans are the easiest way to save money- I set mine up to come out the day after I get paid, and that way I don't worry about having the money.
Although my bank does have a savings account, I have been using ING Direct instead, because I earn interest on my savings. Right now the interest is 2.50%, but it was much higher in the past and I'm sure it will be again. Over the last year, I've earned about 18 dollars in interest, almost all of that from when I started keeping the 1000 dollars in the account. The only drawback for ING is that it takes a few days to transfer the money back to your savings account, but I think that helps with not using it for impulse purchases and stupid things.
If you're interested in opening a savings account, they are running a promotion where you get 25 dollars added to your account if you open one with 250 dollars. In addition, if you email me at email@example.com, I can send you a referral for the 25 dollar promotion and then I'll get 10 dollars from them, too. I have never put ads on here because I didn't want to encourage spending, but I'm happy to encourage saving!