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The point behind a savings accounts is just that, savings. If you need to constantly move money around then you're not really saving it - just keep it in your checking account.
As was recommended, keep your money in the checking account and set aside with ING's auto transfer feature whatever amount you can save each month. The key is to always "pay yourself first" and don't touch it. If you need to earmark some dollars for car insurance, usually six months from now, open a second ING account and put the "short term" savings in there.
You may also want to set some goals. What are you saving for? When will you need it? You may want to consider another investment vehicle with better returns if you don't need the money in the next 5-10 years.
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How you do anything is how you do everything.
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