<prompt> Human: Ive been thinking about this for a while. I have a BoA account that I had in high school and college checking, savings, and my credit card, but Ive recently moved to a small town where the closest BoA is several hours away and theres only one local bank, so I opened up a checking account there and Ive been depositing my work checks. Thing is, Id like to have a savings account I can use for an emergency fund so Ive been looking a Allys online savings, but Im not sure if thats too many accounts. I can always use my BoA savings but I cant access it from where I live now and theres a pretty serious fee for wiring money from BoA savings to another bank. I imagine at some point when I have a real job my job right now is a part time post-college job paying around 21-25k, which is still more than Ive ever seen in my life, Ill have some investment accounts as well. However, I assume if Im ever not living where I live now, Ill go back to BoA because theyve always been good to me. Is there a point where its just inefficient or sketchy to have 3-4 bank accounts in addition to whatever investment accounts you might have?  <response>: its normal. 