I was thinking it sounds complicated, but I realized our situation is too. I have 2 checking accounts and DH has 1. We have direct deposit into all 3, and I only pay DH’s bank credit card with one and transfer the rest to my accounts. Pretty much all bills that need to come from a bank come from my main account. I got the other when when we had a mortgage and car loan at the same bank, but I don’t really use it for much except savings or paying off credit cards we use for vacation or whatever.