In order to maximize my rates on my savings accounts, I ask that the only way I can take money out of the accounts is if I come into the bank in person and make the withdrawal. Some US banks will pay over 4% interest on savings if you do this. Plus, I'm not so likely to spend my savings if they are not so easily accessible.
Wires suck in my opinion along with debit cards, credit cards and auto-pay authorizations on your bank accounts. Just give away access to your cash.
