2
1 is "linked" with my parents account, they are the top-level so we get all the good benefits, and if there is ever a difficulty they will fix it - all direct deposits/online bill pay setup here
unfortunately Chase doesnt have any branches in Atlanta, so I got another one
Wachovia is literally across the street and has branches on campus so I keep enough in there to get cash out whenever I need it, just move money into it using ING