One account for incoming money. Only your employer knows about it. One account for holding money. Nobody knows it except you. One account for all money outgoi

One account for incoming money. Only your employer knows about it. One account for holding money. Nobody knows it except you. One account for all money outgoing. Only payees knoq about it. You transfer all incoming from above first account to second asap. You transfer money from second to third only on per need basis. Capital One, Discover offers free multiple checking accounts.