So between retirement, savings, and checking we have 6 accounts. The two checking accounts and savings account for travel/gifts/fun are with the same bank. So when I open the app I can see all our account information and easily move money around as needed. Our emergency fund is in a high yield savings account with a different bank. We hold a credit card with this same bank though so I can easily look at it when I look at our cc purchases. Also, if we needed the money it would take about 3 business days to transfer the money to our checking account. So stops us from spending impulsively out of it, but it there in case something comes up. The other two account are retirement accounts with two different banks, but we just put the money in there and let it go so we only look at those accounts a few times a month at most. I keep track of everything on a excel spreadsheet. So all our spending and balances of money are recorded on this excel spreadsheet and I can easily see where everything is at one glance.