I feel like I have too many bank accounts so I'd like to trim 1 or 2 of them down. At the same time I consider it the perfect amount. Leave them alone or close something?
Chase- Main bank. Bill pay and deposits and credit card payments. Everything.
Capital One 360 Checking- My secondary. Rarely used but I really like how it is connected to Chase with Zelle and no ATM charges make it great overseas. Which my use of it spikes to every few days during a trip.
Redneck Bank and Live Oak Bank- Purely savings. Two because I don't want to keep all my savings in one account. Deposits monthly.
Discover- Checking, Savings, Credit Card. The savings I use it for vacation fund. So once a month deposit. Rarely (a few times a year) use the Checking. To pay those vacation bills from the attached savings. After the loss of benefits the Credit Card is only used a few times a year for age padding. It is towards the oldest in my spectrum but not the oldest.
I also have a standalone buffer account that is connected only to eBay and PayPal.
I'm probably "stuck" keeping with what I got. I looked into Citi but with no branches around me to take cash deposits I have to keep Chase. It's like I close something to replace it with another bank and I'm back where I started.