conversation: User (diamondawn): "For me, I prefer one checking account, but I don't mind credit cards/savings accounts from different banks. "
  Self: "I use multiple accounts with different institutions. Move all the saving to account that you dont check regularly and keep only one account for all bills and purchases. It helps you keep up with your savings target and not making huge unwanted purchases. Its like a mind set, the money you can't see in primary account does not exist for you. Until or unless you need emergency funds from savings."
  