It is to your advantage that you are so young and thinking about this, time is your friend when saving money.
For your monthly bills, pay from your checking the set bills like car, utlities ect.
For the weekly cash expenses like gas for cars, food, eating out, personal spending money (not accountable to each other for) I would strongly suggest going to a cash basis known as the envelop system. Take out the amounts for the week, place in an individual envelop, take the money when needed, when it is empty the spending in that catagory ends until the next pay. I do not carry all the money around at once, I only take what I am going to need. ie if going to the gas station I just take how much I need from the gas envelop. No need to carry alot of money at once. It is supposed to be less convient than mindlessly using plastic, so it does take getting used to. It is part of its effectiveness that you need to think and plan before spending.
For emergency funds you need separtate from the checking but convient enough to get fairly quickly. I use a savings account at the same bank as my checking. I have a set amount placed in there each pay, but it is NOT linked up through the ATM I need to go inside the bank to get money. Banks around here are open everyday except Sunday, so I cannot see us having a problem with this schedule.
Long term savings are in a credit union's money market.
Retirement, please set up a Roth IRA for each of you if both of you are working, do all you can to put in the max amount each year as long as possible. Your age is so on your side for this, even go so far as putting in money received as presents to reach the max. When you retire you will thank your current self endlessly if you do this.
For special short term savings, I actually use an old fashioned paper ledger, but I am sure that will not interest a 25 year old!!
So set up another account for the short term things, just ask about rates at the banks you use and go with what is a bit better. None pay much right now, but so be it. I have even seen an old fashion vacation club advertized, maybe something like that is offered in your area.
Make a plan, try it, revise, try it, rinse and repeat. You will find the fit, and then you will be on top of your money, and have one huge stress factor removed.
Best wishes