i do two tiers of banks. direct deposit into a chase checking account. i pay down everything from here. then i transfer what’s left (minus $500) to an ally savings/invest account. lets me use ATMs and branch services with chase while having a higher savings rate with ally. if i need to pull a wad of cash out, i generally know more than a couple days ahead of time for a transfer to clear. if i wanted i could chase savings account interest rates and move from ally to somewhere else, but what a hassle. 0.5% on 100k is $500, and not worth it to me. ally’s rates are generally fine imo for me not to worry about it.

i’ve only ever hit debit card limits when trying to buy like a car. if you’re hitting cc limits, i dunno, maybe you have more liquid cash where smaller interest rate increases are worth the squeeze.

edit: ok i totally forgot i moved the bulk of my ally savings into an ally invest account holding a vanguard money market fund bc the rate was higher. this is a little less work than opening an account with another bank at least. the rate was 5.4 and is now 4.5. ally savings account is at 3.8. cds, ibonds, money market funds, these are all vehicles i never used prior to covid but have since. chasing it all around is annoying, but i only take stock maybe every 6 months. there’s diminishing returns here since everything past the efund gets invested in an index fund anyway.