I have three different accounts - my HYSA, spend account, and bills account. Automatic direct deposit handles how the money is divvied up, but I have yet to find a tool where I can treat these all differently. For example, I really liked YNAB. But it lumps the accounts together. I want to know if the dollar I need to “assign” is from my bill account or spend account. If it’s from my bill account, I’ll assign it to next month’s bill; if it’s from my spend account, maybe I’d get an extra coffee this month. Any tools you like for that?
YNAB is okay for this. You look at your YNAB and transfer money as you need to.