Does anyone here know if there any kind of bank accounts that can?

Question

lock your money in for like 6 months or a year, so that you cant touch it until that time is up?
Not like 5 years either.
I have problems with spending when I want something, so I thought if they had accounts were I could pool up the money for a while that would be a good thing.

Answer 1

yes: there is an bank branch office here that would serve
you in different ways safe deposit, checking or credit card accounts yearly t-bills roll overs, helps with 1st or second morgages upon house these can be done At http://www.coastfederalsavingsandloansbank.com

Answer 2

You can set up a CD for 6 months -1 year. You cannot touch the money early without paying a penalty. You could also think about a high yield savings account such as Emmigrant Direct or HSBC Direct that are earning 5.05%. They are more liquid than a CD in case of an emergency, but you could make sure money just gets deposited and not taken out quite easily.

Answer 3

US series I-Bonds might be a good choice.
Unlike a CD which you can redeem early, you can not redeem I-Bonds until at least a year from issue. And as incentive to keep them, they take away the most recent 3 months interest if you redeem before 5 years. Another decent feature about them is that they are indexed to inflation (CPI I think) so you get more interest if (when) inflation increases.
TreasuryDirect.com is a great site for this because you can set up an automatic debit from your checking in any increment you want ($10, $33, $74.62).
Hope this helps!