Spreading your money over a number of account exposes your money to more charges. To save money, why not consolidate your accounts and transfer funds to your preferred St. You will probably find it easier to meet the minimum balance to avoid Account Service fees. Swap your passbook for a card If you have a passbook facility on your account, you can incur unnecessary fees when using the branch every time you need to make a withdrawal. Also access to your funds is restricted to business hours.
Electronic transactions incur lower fees than over the counter fees.
Use a St. If it means crossing the street to save you some money, then why not use a St. They cost less than conducting your St. George transactions on a non-St. George branded ATMs.