jc3900,
I have two online banks that are in different locations than where I live w/savings accounts.
Locally I have a MM account w/online access.
I have them all connected so that I can switch back and forth between them depending on rates.
I try not to be a rate 'ho, chasing after returns, but do like to earn the best interest I can on our emergency funds w/the least amount of trouble. So, the majority stays in one local account, but have a portion put out to 'hard labor' earning us the best amount available there at the ones I am hooked up with.
I have a certain amount of dollars outside of our emergency fund that I use to follow special offers when they are available.
This money is not part of our retirement and goals money, but part of my wealth building capital.
Hope that makes sense.
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