<prompt> Human: I currently use Wells Fargo with an incredibly low interest rate. Want to move most of my money to a bank with a higher interest rate. But I dont want to deal with the hassle of changing all of my payments out of my Wells Fargo account and my direct deposit and my credit card etc. And I like having a bank branch a couple blocks from my apartment.So is it a good idea to split up my money or should I just transfer it all to one bank and deal with all the hassle?  <response>: What I would suggest you do is to keep your current Wells Fargo checking account and set up a savings account at an online bank like Ally or Capital One that yields a higher APY. Then, you can link the accounts so that you can easily transfer funds from your Wells Fargo checking to your savings account. Even better is to set up an automatic transfer from checking to savings so that you make your saving automatic. 