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Begin by assessing your current monetary scenario, then select the choice that best matches up along with your wants. When should I open a number of Blank Check Bank accounts? Opening a number of financial institution accounts could make sense if you want to maintain different funds separate from one another. For example, you might need to open a checking account for spending and paying payments and a savings account to stash your emergency fund. Married couples might choose to share a single joint account and maintain separate accounts.