We have several checking and savings accounts. (All jointly)
I do not work, so all the money comes from his paycheck and our firewood business.
Some bills I pay with the company account. Regular household bills are paid from the other (DH and mine) 2 checking accounts.

I also have joint checking and savings accounts with my (4) older children that live at home. So, that I deposit their paychecks, pay bills etc. from their accounts.

In total I keep up with 8 checking accounts. 7 savings accounts.
At least there is no service charge on any of the accounts. We use a credit union ..only have to keep $25 in savings and no service charge. Also use a small local owned bank..keep $200 in checking and no fee for the month.