<prompt> Human: I was wondering if having three saving accounts was a bad idea? I was looking into compound interest and during my research I found out that Barclays Banking had a 1.3 APY. Without thinking I decided to create an account. I already have two saving accounts with two big banks with not that much money in either one. Im 20 years old and still going to school. I do not have a steady income and only work during the summer and winter break. Extra Info: Bank 1: 3,500Bank 2: 1,000New Bank:100  <response>: Put all the money on the account with highest interest rate.Do you need too pay some kind of fee for the accounts? Is there some consequence if you have nothing deposited there? 