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I am using similar thing with two checking accounts & an excel sheet.

Account A gets all salary in. Account B is expenses. Zero Balance. Excel sheet has column for each expense, like Insurance, Phone, Internet, Car, etc. If I need to put $100 for Car, I send it to Ac B, & make an entry in Sheet with first column as Date, & Car's column as =100. When over time I spend that $100 or anything from that account, I log it as =-100. Kind of envelopes.

> You would get the benefit of prepayment discounts and an accurate financial picture when looking at your main account.

I've been using YNAB for a few months and it's perfect for this. I used to park large sums in different places to keep track of what was what, but since I just track it all in YNAB now I can happily park most of my cash in a HYSA.

It pays for itself!

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