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A teller in Boise asked why I split my direct deposit into 3 accounts, and I couldn't give her a real answer
I was setting up a new checking account at a credit union branch in Boise a couple weeks ago and the teller (mid 40s, super patient) asked why I wanted my paycheck split three ways. I said it was for budgeting and she just nodded and said "most folks doing that are hiding money from a spouse or dodging a garnishment." That hit weird because honestly I started splitting it two jobs ago out of pure anxiety about overdrafts and never stopped. Now I'm wondering if I'm creating extra work for myself for no reason, since I still pull from savings every month anyway. Has anyone actually ditched multiple accounts and gone back to one, and did it make things easier or worse?
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