<prompt> Human: Im hoping to find a financial institution that will help me with my new projected budget. Id like to be able to create sub accounts for vacation fund, emergency fund, and home repair other fund, for example, beyond the standard checking and savings accounts. Im in the United States.  <response>: I looked and looked myself for buckets. No joy.However, banks like Capital One 360 and Ally presumably others too, but Synchrony was a PITA let you easily open lots of standard savings accounts. Just use them for your individual funds.Note that beyond a few accounts, it gets to be a hassle. Thats when I consolidated into a single savings account, and created a spreadsheet with one fund per column.EDIT: the beauty of using a spreadsheet is that you can drive a fund negative without the bank going crazy. 