i have one bank account to receive my salary, one (or more) to make regular payments and one for day to day expenses. the latter has just enough balance to cover my average spending and gets refilled as needed.

Different account for direct deposit from the account used for paying bills. Problem solved.

One account for incoming money. Only your employer knows about it.

One account for holding money. Nobody knows it except you.

One account for all money outgoing. Only payees knoq about it.

You transfer all incoming from above first account to second asap.

You transfer money from second to third only on per need basis.

Capital One, Discover offers free multiple checking accounts.