for us, I send my paycheck to two accounts and the wife to three accounts. Our "old" bank charges for electronic bill pay, and we have about 500 checks left... so we are keeping that checking account for cash purposes. The corresponding savings account has some loans which are about the paid off.
It is a system, and I like many small piles as opposed to 1 or 2 big ones when it comes to money.
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One person's stupidity is another person's job security.
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