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I always just use one bank account for everything, and I haven't noticed any problems. What good can multiple bank accounts be?

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up vote 10 down vote accepted

I don't think so. Having multiple bank accounts is completely useless.

However, banks themselves can be useful for setting up bounces. If you create an account, obviously you have that account on the system, which makes the bank more valuable as a bounce node (dotted line around it; takes longer to process). Your log-in credentials will never be revoked, either.

You could of course hack an existing account, but creating one is much easier and does not start a trace, so this is useful early in the game.

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Multiple bank accounts also allows you to have multiple loans. This can be useful if you are just short of buying something you need for your next mission. – Nick Aug 2 '12 at 13:49
@Nick The total loan is still limited to the same amount you get at a single bank – Zommuter Aug 2 '12 at 20:29
@Zommuter Ah, I was pretty sure I had used it to get multiple loans before. This was several years ago though. I'll have to recheck! – Nick Aug 3 '12 at 8:11

Having a bank account will make stealing money from it much easier, as there is a very brief window of opportunity for you to delete the log of both sending and receiving money. Not having to connect to another bank to do that is very helpful.

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