Nationwide flexi account, has debit card and cheque book you can have direct debits on it.
Then you set up an e-account with is an internet account only you can manage over the internet and is connected to that flexiaccount (as in you say on this flexi account I want an e-account you can't just open an e-accoung per se)
you can transfere money to and from your e-account when ever you please with no limitations at all you get 4.5 % interest net on the e-account and its calculated daily
I can't see any better system, I put most of my money away and as bil;ls are due move the required sum back into my flexiaccount.
contrary to banks nationwide makes no charges at all and no I am not at all affiliated with them I just hate the way banks rip us off I had a terrible experience with lloyds and they can't half compete with nationewide