Eh, I just have two bank accounts and only keep a few hundred in the one I use for debit card payments/withdrawals. If I need more, my smartphone app is right there.
Ah... this is a good benefit to having multiple accounts. I am always confused by those with only one bank account. My current account never goes above 2K, mostly sitting at around a few hundred. This gives me a perpetual feeling of not having very much money, so I don't spend too much.