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Because I'm not especially financially literate, does this do anything to your credit score or likelihood of being audited by the IRS?
Credit score absolutely no, IRS probably not, honestly totally happy to finance nerd out with you in PMs/DMs/text. If they were all checkings there would be more potential for credit score impact but honestly that would depend more on the account and tied functionality (like if there was a tied line of credit to the account(s).) there is also a separate system banks use to rate depositors (much like a credit score but for - well, deposits instead) however maintaining multiple accounts shouldn’t impact that negatively.