I agree with most of the above advice, but I would recommend to not neglect your emergency fund. It's great peace of mind. You probably don't have to wait until you get it up to 30k until you start investing, but just make sure you are putting some money towards it too.
Also, have you gone the online banking route yet? It makes bill pay, and investing a lot quicker, in my opinion. But either way, the interest rate is much higher than any local bank or credit union I could find. Like 4 times as high. Mine's .75%, as opposed to .15%. It's still crappy, but the best place for today's market, for getting any sort of return on your cash (emergency fund) Here's my Capital One 360 refer a friend link:
https://r.capitalone360.com/fvMaBF6sbX. If you use it, you should get $20, and I'll get $20. (full disclosure) Don't feel like I'm pushing you towards my link, though. If you look on the MMM blog, you'll probably find a better sign up bonus than that.
Either way, use a sign up bonus, because hey, free money!