<prompt> Human: Im leaving a big national bank due to ATM fees. I have a Charles Schwab checking account already. Based on how I manage my money, I use CS for big and recurring expenses. Id like a separate checking andor savings account to manage my discretionary spending. Within my discretionary spending comes saving for travel. Basically what Im looking for an app or online service that shows me my available balance but breaks it downcategorizes it. So if I have 2k total, I want to see a breakdown that says 1200 in travel fund and 800 fun money. I hope Ive done an adequate job of articulating this. All insight is appreciated. Thank you.  <response>: I use YouNeedABudget for this. It doesnt matter what accounts my money is in, the app shows me how much is in my various funds. 