How many bank accounts do you have? Spread all eggs in different baskets or 1 to maximize the hoops and bonus interest gained?

I have 4 bank accounts from 3 different banks. It is always good to spread it out as in the very unlikely event that a bank closes, the SDIC will guarantee a sum of $75,000 per bank. So if you spread it out over 3 banks, you will basically be guaranteed a sum of $225,000 by the government.

I only have 2. 1 for daily spending and 1 for my emergency fund.

Only if I've maxed out the limits for one for the bonus interest, will I then move money elsewhere.