Really off-topic here, but for savings accounts that are going to tick up over time and don’t need to be available within 24 hours, you can open a savings account with a different bank that has better savings interest rates and set up an automatic or manual transfer to that savings every month. You can shop around for the best interest rates, but I’ve seen Ally be consistently better than anything I have locally.

The benefit of having it in a separate bank is that it hugely increases friction when you start thinking about spending it, since you have to move it back to your primary first. You can mostly forget about the specific numbers in it as well since it isn’t visible in your primary bank dashboard.