To make a long story short every week dh and I each get a set amount of money to spend however we want that doesn't affect the budget or savings account.
He has been spending his this whole time (which is his right) and I save (most of) mine. The reason I say most of is because if the boys need something or he wants/needs something I'll take it out of my banks instead of going to the ATM. Well personally I'm getting kind of tired of this since I want to save that money for me and only me (call me selfish if you must). So I was thinking that I would open an account at a bank and every couple of months I would go up to the bank and make deposits. I'm thinking since right now I have about 5 piggy banks that I disperse the money in that maybe it is just too easy to have access to and a bank account that I have no ATM card to would be better (that way I would have to physically go into the bank to withdrawal money which I hate doing).
So my question is what bank do you use and how easy is it? Do you have to have a checking account associated with it or can you have just a savings account? Do you have to keep a balance every month or can you have whatever you want?
Right now we have a credit union which we love but I'm thinking a bank away from my bank would not only be better in the sense that it would be harder to get to but I wouldn't be tempted to transfer money. So what is your opinion or should I just stick to the credit union? Does anyone know how many accounts you can have with a credit union/bank?
And I have done research on this online just want a personal feel for it not so much as words on a screen but a personal touch so to speak. The banks near me are 5/3,Chase, and US Bank.