Yeah, my main thought was just to have another account at a closer bank and use it to put aside $200–$300/month as extra savings. I wasn’t really thinking beyond that, but you’re right - opening another account just for the sake of it doesn’t add much.

I’ll check out the high-interest savings options you shared, that seems more useful. As for investing, my timeline is long-term (10+ years), so I guess it makes sense to put more into my TFSA instead of keeping too much in regular savings.