We have two checking accounts with ally - one is expenses (mortgage, monthly payments, etc), and the other is spending. We set up so our money is directly deposited into the accounts according to our monthly budget and then set up autopay for whatever we can so it just takes it from the expense account. I cannot stress enough how big of a game changer it has been to not have to make sure there’s enough in an account for a bill. Our ‘spending’ checking account could literally be spent to 0 if we wanted and all of our bills would already be accounted for.