If the accounts are free and from different entities then it would make sense for most people to split things up, for sure. Retail banking is pretty heavily re

If the accounts are free and from different entities then it would make sense for most people to split things up, for sure. Retail banking is pretty heavily regulated in the US so maybe that's the issue? I've seen a lot of startups in other banking areas, like Mint or Square, but none for checking/savings accounts.