yeah, i'm in the op's situation. except 7 years older. already have 2 (three, really) accounts. just finally sent in paperwork to do direct deposit (last one in the dept.). i'll have to investigate splitting things in dd to that second account. the third is tied in with my debit card, and that's not good, if i'm trying to save.
jo3, that's brilliant! i'm going to try that in february, see how it goes.