<prompt> Human: Hey rpersonalfinance,Our financial advisor is suggesting that we create and label multiple bank accounts like savings, vacation, kitchen remodel, etc, so wed be less likely to dip into them.She also mentioned that she has the option to receive a daily email from her bank wells fargo that shows her balance.So, my questions are: Does anyone have a financial institution that they recommend? Our credit unions online tools suck. Are there any other online banking features that we should be looking for? Any other ideas or suggestions?Thanks :  <response>: You dont need better online tools, You Need A Budget YNAB!The software is low cost and will let you create sub accounts in your budget for things like vacation and kitchen remodel. Because YNAB does not care what accounts money is in you get to keep your local credit union, and have all the benefits of unlimited sub categories and expense tracking. 