<prompt> Human: My wife went into the bank the other day just to do a simple transaction and the banker there took a look at our checking account and thought that it had too much money and too much activity going on in it. She suggest having multiple accounts with different purposes and using credit cards instead of debit cards.So my wife and I use YNAB pretty heavily. We track all of our expenses with it, and we spend based on that budget, not by looking at the balance on the checking account. So to me it really doesnt matter where the money is coming from just so long as we budgeted for it. And yeah, we use our debit cards a lot because 1 I dont really like carrying cash and 2 its much easier to know where your money went when you have a line items that tell you.So I dont really see the benefit of splitting up the account. In my eyes its already kinda split up when I look it through the lens of a budget. Sure it may look like a pile of money constantly in flux but every dollar has a job, right?Edit: I meant to mention this but there is roughly 5k in there at any given time. We have savings and such as well, but in a different account. Really, it doesnt seem like a lot to me.  <response>: My first thought when you said the bank teller said you had too much money in your checking account was that you had more than the FDIC limit but thats 250,000 so Im going to say thats not the case.The general idea of how much to have in your checking is enough to cover your bills without having to worry about being near a zero balance, and the rest can go into an account that earns you some interest. 