If you have multiple accounts (checking, saving, spousal, business, etc) and you want to see one common picture of all your finances, you should be using something (e.g., Quicken) that links directly and securely to each bank's accounts and presents the information in one common framework
If you and your spouse both do grocery shopping, it's nice to have ONE summary of spending. If you both donate to charities, using Quicken (or similar) will save you a lot of time.
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