How to manage your bank account?

I believe that every person should have a saving bank account. But the problem is how to manage a bank account? A saving account is a technique you use to deposit and keep your money securely for future use. But most people do (including me) is they deposite money and get back those money for various resons. That is not a good practice. You must save some money in your bank account not for immediate futre use, but as along term saving at least for another 5 years. You should not withdraw money from your saving account, unless it is very very important thing untill it reaches to the final time limit that you predicted, say five years.