How to track money across multiple bank accounts without a headache

What people tried

Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.

1. 1
   Processing all transactions through a single subsidiary and manually journaling expenses at month-end
2. 2
   Using a zero balance account (ZBA) or automated bank sweep to concentrate cash automatically
3. 3
   Using manual spreadsheets
4. 4
   Setting up automatic scheduled payments
5. 5
   Consolidating accounts into a single institution
6. 6
   Using third-party finance apps like Monarch or YNAB
7. 7
   Turning on paper statements and getting them mailed
8. 8
   Trying to use alternative transfer methods like Zelle
9. 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. 10
    Opening accounts immediately without waiting years for larger direct deposit tiers

In their words

Unedited, most upvoted first, each linked to the thread it came from.