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James responded to

One solution is to have three accounts:<\b>

by writing:

What? Why the H*** would I want to do that???!!!! My goal is to simplify my life, not make it more complicated. I have better things to do that keep transferring money around all over the place.

If you are operating a business, I suggest that it is better for you to have 2 accounts; one for business and one for personal. This will make life easier if the IRS ever comes a-calling.

My suggestion would be that you use the B&M bank for your business (since it appears that your main problems lie with your business-related transactions) and then use an internet bank for personal (I would suggest checking out First Internet Bank at ).

FirstIB (and I'm sure other internet banks do too) allows you to set up an automatic ACH deposit to occur on a monthly basis. You could decide on a salary to pay yourself, and then have FirstIB automatically transfer this amount monthly from your B&M (business) account to your FirstIB (personal) account. This also has the benefit of smoothing things out for your personal budget.

Just a suggestion. I hope you find it helpful.

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