Personal Checking Accounts to Transfer Small Sums

[sent]

I'm looking for a personal checking account where I can transfer small amounts to myself into another account. So basically every time I resist temptation to buy something small I really shouldn't be eating/drinking/buying like a soda, I can transfer the $2.44 I "saved" to a "savings account." I want a visual to see that amount grow and maybe this can be a way that I finally reward myself.  I can never seem to give myself the nudge to buy something big just for me though I have a list of things I'd someday like to have. Also as a self-employed person, I don't get to see money come in consistently and thus I have no way of visualizing any savings specifically allocated for myself since there is always a bill to pay somewhere. 

Does this make sense and does it exist? I currently have a TD Bank personal account and everything about their online interface is clunky so I doubt it's easy to do with them. 

[wanderingback]

I have usaa and capital one. Both options it’s very easy to do this to transfer between multiple accounts via the app or web browser.

[Deleted]

The only thing you're going to have to look at is how many transfers you can do each month. I can easily transfer between my accounts with Wells Fargo and Cap One, but there's a limit on the number each month. You may be better off finding a way to do it weekly since I think that number is usually pretty low (like six-ish). 

[wanderingback]

Jun 19, 2022 16:36:41 GMT -5 @rebeccawelton said:

The only thing you're going to have to look at is how many transfers you can do each month. I can easily transfer between my accounts with Wells Fargo and Cap One, but there's a limit on the number each month. You may be better off finding a way to do it weekly since I think that number is usually pretty low (like six-ish). 

I thought that limit was only on transferring from savings accounts. My accounts mention that on the savings accounts. I transfer regularly with my checking accounts and I’ve never gotten any mention about limits.

[pierogigirl]

At my credit union, I can have multiple sub-accounts under the same main account number. I have a checking, and three savings accounts in that one account. Each payday I transfer a set amount into each sub-account. Maybe see if your bank does that. I like it because I can see all the accounts at once when I log in.

[Deleted]

Jun 19, 2022 16:42:34 GMT -5 wanderingback said:

Jun 19, 2022 16:36:41 GMT -5 @rebeccawelton said:

The only thing you're going to have to look at is how many transfers you can do each month. I can easily transfer between my accounts with Wells Fargo and Cap One, but there's a limit on the number each month. You may be better off finding a way to do it weekly since I think that number is usually pretty low (like six-ish). 

I thought that limit was only on transferring from savings accounts. My accounts mention that on the savings accounts. I transfer regularly with my checking accounts and I’ve never gotten any mention about limits.

That is probably the case. I just wanted to bring it up as a consideration.