No matter what your financial position, no matter how many bank accounts you already have, you should have at least one internet-only savings account.
Why? Easy. These banks are able to offer higher interest rates (because they don’t have to deal with the costs of operating actual storefronts), for one thing. For another, having an account where you can’t run to an ATM and withdraw the money when you get a hankering for a mochaccino just makes good sense. Call it your nest egg account. Call it your rainy day account. I don’t care what you call it; just have one, and try to sock away at least a few dollars every month.
I’m somewhat partial to ING, because when I signed up way back when, they gave me $100 (and their customer service is great). Those deals are few and far between nowadays, though.
It’s not $100, but you might want to check out this deal from E*Trade. Deposit just a dollar and they’ll give you $25, plus they currently have a 5.05% APY on their savings accounts. Link it up to your checking account and set up a regular transfer of just a few bucks a month; before you know it, you’ll be able to have all the mochaccinos you want.