I have four different bbank accounts with four different banks. Just like you said it, the accounts are for different purposes that are legit. But despite it all, I still have the most preferred among the whole accounts. I think part if the reasons for those accounts is for easy transactional purpose, such that someone need to pay you certain amount of money and he might not be used to mobile banking. Such a person who find going to counter to pay might be close to a particular bank. Another reason is because of network issues, atcactime when one need to do some important transaction, a bank network might be bad, so its preferential to gave alternative. Also in a situation if robbery when robbers will take you to bank at gun point to make a withdrawal for them. If you have many accounts you can easily take then t9 withdraw from the account with lesser money.