I have began accumulating many bank accounts that I use for various reasons (hence why I have so many debit cards). In this post I will detail the current accounts I have open and their purposes. I did not include accounts that are useless or required for a membership with the bank
I have a sanitized and reduced version of my Google Sheet Financial Tracker embedded at the bottom of this page if you’re interested!
Open Accounts
Bank of America
Advanced Plus Checking
Opened: 10/8/2014
Purpose: Old main account. Bill-pay and intermediary for Merril Lynch transfers
This was my “daily driver” checking account until very recently where I decided to try and squeeze some extra interest out of my main checking. I would not recommend this account due to it’s fees/minimums and lack of features
Ally
Online Savings
Opened: 2/11/2019
Purpose: Basic decent interest savings, transfer hub
Ally is pretty commonly used as a transfer hub. Their daily/monthly transfer limits are high, interface is easy to use and decent transfer speeds. They also have decently competitive APY
HMBradley
Opened: 10/29/2020
Purpose: HYSA/Emergency Fund
HMBradley is a neobank that offers up to 3% APY on up to $100k (with hoops). I may create my own post detailing my use of this but for now I use it in combination with their CC for a great place to park some emergency funds
Digital Credit Union (DCU)
Primary Savings
Opened: 12/18/2020
Purpose: HYSA/Emergency Fund
Offers 6.17% APY on up to $1k. I use Astra to transfer out the extra interest. They also offer great loan rates
Free Checking
Opened: 8/2/2021
Purpose: Debit Card Collection
Atlantic Federal Credit Union
Kasasa Cash Back Checking
Opened: 1/8/2021
Purpose: Cash Back
This account offers 5% cash back up to $200 spend/m with a DD and 12 debit transactions
Kasasa Cash Back Savings
Opened: 1/19/2021
Purpose: HYSA
When you qualify for the above cash back, you get an increased APY of .35%
Netspend
Savings Account
Opened: 3/18/2021
Purpose: HYSA/Emergency Fund
5% interest up to $1k
HEB Debit Savings Account
Opened: 8/22/2021
Purpose: HYSA/Emergency Fund
6% interest up to $2k
Workers Credit Union
Save Up Savings
Opened: 6/15/2021
Purpose: HYSA/Emergency Fund
3.56% w/ 1 DD up to $1k
Genisys Credit Union
Genius High Yield Checking
Opened: 7/30/2021
Purpose: HYSA/Emergency Fund
With 12 debit card transactions/m that are each over $5 you get 4% APY up to $7.5k
Discover
Savings
Opened: 10/4/2021
Purpose: SUB
They offered a SUB of $200 with $25k deposit. Already have a CC from them so the account just sits there
Albert
Checking
Opened: 10/7/2021
Purpose: Cash Back
Varo
Savings
Opened: 10/18/2021
Purpose: HYSA/Emergency Fund
Earns 5% APY up to $5k (any amount over makes the whole balance earn nothing) with $1k DD/m
Point
Premium Checking
Opened: 11/23/2021
Purpose: Cash Back
May make a full post about this. $99/y AF but offers many cash back options. I average ~10% cash back on all of my purchases. They also have a current promo of 1% cash back on your DD when you spend at least $100 in a given month
Enzo Digital
Checking
Opened: 1/5/2022
Purpose: Cash Back
Offers 10% back on Uber and 2% back on any payment for rent. May make an individual post about this. Will require $1k DD/m for the 2% and is only up to $20/m in cash back
Service Credit Union
Savings
Opened: 2/25/2022
Purpose: HYSA/Emergency Fund & SUB
There was a small SUB and they give 5% APY up to $500
Current
Checking
Opened: 3/7/2022
Purpose: HYSA/Emergency Fund
Recently made free, earns 4% APY up to $6k in three $2k “Pods”
One Finance
Save
Opened: 3/15/2022
Purpose: Main Checking
Earns 1% APY up to $25k. Account functions as a checking account so I do bill-pay from this account. This is my main checking account
Auto-Save
Opened: 3/15/2022
Purpose: HYSA/Emergency Fund
Add DDs made to the Save account can be directed to the Auto-Save up to 10%. Any funds in the Auto-Save earn 3% APY. You can only add $1k/m to this account via the DD 10% save or round ups You cannot directly add to this account. Usefully, transfers from HMBradley count as DD
Google Sheet Financial Tracker3
If the above imbed doesn’t work, here is the direct link
Personal Finance 
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