Do you find it's hard to save? You try to squirrel money away, but it's just all too easy to go online and make a transfer back into checking.  We designed an account just for you.  We can help you automate it each week so you'll see the savings mount up.  All it takes to start saving is $10.00.  Although we dislike charging fees, some fees can be good to help us stay on track.  So, for this special account, if you take your money out before six months is up, you'll be charged a $10 fee.  We like to think of it as the "Hey, put that back!" fee.  The pouty face as you make the withdrawel, that's free.