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

See my writeup on Point here

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

See my writeup on Enzo Here

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