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These are the steps I've taken to start investing in T-bills.
1.Get a savings or checking account at a local bank. (you probably have one already)
2.Set up a high yield savings account at one of the big banks and link it to that account. (most HYS banks require you to fund the account by ACH or wire transfer from another institution - hence step one)
3.Use the HYS to fund T-bills.
The reasoning here is it can take several days from the time you order a T-bill to the time it is actually funded. I don't want my money sitting in a .6% savings while waiting for the Treasury to fund my T-bills when it could be earning 4.5%. Also, MY local bank limits the number of withdrawals per month to 6. You have to designate a place for the money to go when a T-bill matures, or when the interest is paid if you do a renewal. You don't want it going to a low yield savings account if there is any lag time between when the money is deposited it and when you use it for another purpose. You can, of course, have it sent to a checking account if you're going to spend the money right away.
Another tip is I don't have T-bill denominated in the same amounts. Say I have $29,000 to ladder. I buy one $9000 T-bill, one $10,000, and one $11,000. It's not necessary, but this way I can easily track the individual streams of money through renewals and redemptions.
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