What workarounds did people try for "How to track money across multiple bank accounts without a headache"?

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Community members documented 27 workarounds:
1. Processing all transactions through a single subsidiary and manually journaling expenses at month-end
2. Using a zero balance account (ZBA) or automated bank sweep to concentrate cash automatically
3. Using manual spreadsheets
4. Setting up automatic scheduled payments
5. Consolidating accounts into a single institution
6. Using third-party finance apps like Monarch or YNAB
7. Turning on paper statements and getting them mailed
8. Trying to use alternative transfer methods like Zelle
9. Keeping a minimal amount (such as $20 or one month of expenses) in a primary local account for bills and running everything else through online institutions
10. Opening accounts immediately without waiting years for larger direct deposit tiers
11. Keeping a small cash balance in a traditional bank to avoid monthly fees while using a digital bank for most daily needs
12. Switching entirely from a traditional bank to a digital bank for both checking and savings
13. Using specialized financial platforms like Fidelity for investments and high-yield savings while treating traditional banks strictly for loans and credit cards
14. Do the math to find the dollar amount and auto-draft manually
15. Switch to a different bank that supports percentage-based transfers
16. getting a line of credit to smooth cash flow
17. Consolidating all checking and savings at a single credit union or bank
18. Using a single high-yield savings account for bills and purchases while avoiding separate checking accounts
19. Keeping cash split between a traditional high-yield savings account and a brokerage cash management account core position
20. Chasing sign-up bonuses with smaller brokerages
21. Consolidating accounts at a single major broker for convenience and better tools
22. Standing pat and keeping funds split across multiple firms
23. Keeping 1-2 months of expenses in a checking account and the rest in a HYSA.
24. Treating each account as having a specific job (checking for operations, HYSA for emergencies).
25. Setting credit cards to autopay the full statement balance directly from the checking account.
26. Creating multiple separate savings accounts with individual routing/account numbers and splitting paycheck direct deposits among them.
27. Manually adjusting money between savings buckets after transactions occur.

How to track money across multiple bank accounts without a headache

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