If you like your envelope system but want to take it online (assuming you were using real envelopes to hold your tip cash), you should try this piece of software:
Budget. They make both a Mac and PC version.
I can only speak for the Mac software, but it has been a life saver for me and my fiancee. I have ADHD and most budgeting/checkbook balancing systems could not hold my attention... but something about dragging and dropping funds between envelopes is almost, no, actually fun! It's especially helpful in our quest to climb out of debt.
You just need one checking account, and Budget will do the rest of the differation for you.
As for your savings questions, I'll leave that to others. As I said, still climbing out of debt.....