You can always open up an ING Direct Savings account.. Link it with your existing account (i.e. HSBC).. You can go on ING, and setup a 'savings goal' thing, where it'll transfer $50 from your HSBC account over to ING every Friday.

You can always transfer the money back into your personal account. There's no fees, and the turn around time is generally 3-5 business days.

It's all about priorities and discipline. You don't need to set up an account at another bank just to help improve your money management. Worst case just set up an account with the bank you have that you're not able to access with your bank card like a TFSA.

I've got 10 accounts with 4 different banking institutions in 3 different countries so that's a whole different story.

Taylor is right. You should look into other ways of money management
I have 3 bank accounts with cibc but only ONE that I can spend out of.

Another things is you can buy Canadian Savings Bonds that lock it up for a year +

why is taylor got banned ?????????? He provided good info here ,,wtf