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[quote=Anonymous]we have two primary accounts, both checking.  essentially I have a rough idea of in/out in my head, and bank texts me balances every morning, plus direct deposits and low-balance alerts.

one is where my (regular, every-two-weeks) paycheck is direct deposited.  All of our recurring bills are auto-paid from this account.  Very occasionally I might write a check or make a non-auto payment from this account (semiannually for car insurance, for example).  I have a rough idea of where we are in the month vs what the balance should "look like."

the second account is where DH's (less regular in both timing and amounts) paychecks are deposited.  This is our grocery and target and discretionary kind of spending comes from.  Again, very occasionally there might be an actual check written, but it's rare.  Again, I have a rough sense of about how much should be in the account at any given point.

probably every couple weeks I log on to the bank's website and scroll through transactions.  Acct #1 above is easy b/c it's the exact same, very few, transactions every single month, often the exact same amounts too.  So an error or fraud or something would show up like a sore thumb.  Acct #2 is a little harder to spot (we went for 2-3 months one time with an iTunes fraud issue b/c they were very low dollar) but DH is totally on board with my need for him to occasionally validate what transactions he is doing.  
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