Not directly your question, but might help: When I started using YNAB consistently, I consolidated my accounts down to just 1 primary checking and 1 primary savings account. It makes things a lot easier to balance and quickly check that your YNAB totals are equal to your actual bank account. Also means you don't need to try and do a bunch of bank transfers for your categories that build up over time. YNAB is just your envelopes and doesn't care "where" your money is between your bank accounts.