I have 3 accounts, one for the business, the IRS likes to see what I make for some reason, one to pay myself to, and a third sans overdraft protection that I transfer a little bit at a time over to for internet, as I need to make payments, go shopping, etc. I have an app on the phone that I can use to transfer at any time. I keep the bulk of it in the other two whose cards I never use, and I do use bulk loosely BTW. grin

I figure if they see an account with not much money then it's worthless to them.