<prompt> Human: I want to have a clearer view on how to separate my money.Bonus: Also, should I put more money on my regular savings account than my checking account, or vice versa? or should I just transfer money to my checking account when needed?  <response>: Ally Online Bank: Checking for food gas fun. Debit card stuff. Intermediary checking. This is where each paychecks food gas fun is deposited. It disburses with automatic transfers every three days. I never have much cash on my debit, so I dont make huge impulse buys. Student loan checking for overpayment towards principle. Checking for auto-pay rent. Deposits directly into my landlords account on the first. Personal savings. Vacation, or whatever. Big ticket fun. Emergency fund savings.Credit Union: Bills checking debit card. Extra 500 savings because the first 500 gets 6 interest.All my bills and rent is automatically paid, I get a static allowance every 3 days, and an the rest gets put to loans. If I get a raise or bonus, I dont have to change any direct deposit settings or automatic transfers - it all goes into the loans checking.I also use the credit union to deposit cash because I cant at Ally. 