We are effectively single income so I will ignore my wife's accounts.
I have:
CU checking
CU savings
HYSA (SoFi) emergency fund
Fidelity brokerage
Fidelity Roth IRA
Fidelity 401k
Credit cards:
USAA (general purpose)
Chase Amazon Prime (Amazon)
Apple Card (devices and occasionally tap to pay)
CU checking is where mortgage and bills are paid from. It is also where the money goes out of to pay credit cards down. Correspondingly CU checking gets the lion's share of direct deposit. HYSA gets a fraction, but I will top it off at the end of the month to get on target with our savings goal ($1000/mo towards HYSA as long as nothing is being spent). CU Savings are pretty much empty these days, APY is so low it is irrelevant. For whatever reason that's where the connection to Fidelity lives so I can contribute to the Roth IRA, but that is the only use anymore now that our cars are paid off.
I don't make enough to max my 401k so the brokerage is just used for when RSUs and ESPP shares deposit. Then I sell them, put some in retirement and transfer some to CU for cash.
Roth contribution is manual each month. Bill pays are manual (except for a couple on autopay on CCs, if they don't charge card fees). Mortgage is automatic from checking. I track the target emergency savings separately in a spreadsheet which also includes budget & other info.
What makes the Fidelity cash management account & its associated debit card so good?
What makes the Fidelity Cash Management account & its associated debit card so good?
ATM fee reimbursement - use any ATM, worldwide, and get the fee reimbursed
no foreign transaction fees - use your debit card for purchases internationally and don’t pay an extra fee
The foreign transaction fee thing isn’t particularly important to me since I use credit everywhere, but it may come in handy if my credit cards don’t work for some reason.
So for me, I don’t need to care which ATM I use, I just use whatever is most convenient. They do have an ATM network, but that just saves Fidelity some money.